vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
I am submitting this formal dispute regarding inaccurate and misleading information reported by Bridgecrest on my credit report regarding an auto loan account ( Account XXXX. XXXX ). The account currently shows a repossession and charge-off status, which I believe has been reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Grounds for Dispute : Violation of FCRA 1681s-2 ( a ) : Accuracy of Information The FCRA mandates that all information furnished to credit reporting agencies must be complete and accurate. In this case, multiple discrepancies and factual inaccuracies in the account history render the report misleading and damaging to my credit. 

Unrealistic Delinquency Timeline The account was opened on XX/XX/XXXX, yet it shows delinquency and derogatory marks ( 30, 60, 90 days late, charge-offs ) beginning in early XXXX, just weeks after the account was opened. This defies standard loan timelines and fails to account for grace periods, proper notice, or due process. 

Simultaneous and Prolonged Repossession and Charge-Off Reporting The account reflects both " R '' for Repossession and " CO '' for Charge-Off over multiple months ( XXXX XXXX  ). According to standard credit reporting practices, repossession and charge-off are single-event outcomes, not recurring events. Reporting them month after month artificially inflates harmful activity and violates the FCRAs requirement for fair and balanced reporting. 

Missing Initial Payment History ( XXXX XXXX ) The payment history for the first three months of the loan is blank. This information must be shown if no payment was made or the account was delinquent. This omission of data violates FCRA 1681e ( b ), which requires reasonable procedures to ensure maximum possible accuracy. 

Inflated Negative Reporting The credit report lists 17 potentially negative months for an account that has only been open for approximately 8 months. This is not only inaccurate but also unfairly increases the perceived severity of the account, which can severely damage my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: NC

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
Consumer complaint received 2025-06-12 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: World Acceptance Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXX - unauthorized hard inquiries. 
XXXX XXXX XXXXXX/XX/XXXX, XXXX unauthorized hard inquiries. 
XXXX XXXX XX/XX/XXXX - unauthorized hard inquiries. 
XXXX XX/XX/XXXX - unauthorized hard inquiries. 
World Acceptance XXXX unauthorized hard inquiries. 
I'm a victim of a Data Breach and Identity Theft. I have reached out to XXXX over the phone and created a dispute regarding unauthorized hard inquiries. I submitted documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXX - unauthorized hard inquiries. 
Capital One XX/XX/XXXX, XXXX unauthorized hard inquiries. 
XXXX XXXX XX/XX/XXXX - unauthorized hard inquiries. 
XXXX XX/XX/XXXX - unauthorized hard inquiries. 
XXXX XXXX XXXX unauthorized hard inquiries. 
I'm a victim of a Data Breach and Identity Theft. I have reached out to XXXX over the phone and created a dispute regarding unauthorized hard inquiries. I submitted documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX  XXXX - Balance : {$120.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-06-12 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: TX

Complaint narrative:
Im writing to demand the immediate deletion of an account that is currently being reported on my credit file. This account is in pending litigation, and until the matter is legally resolved, it has no business being on my credit reportespecially not in its current, inaccurate form. 

Let me be very clear : This situation is actively being handled through legal channels, and yet youre continuing to report this account as if its settled fact. Its not. And in doing so, youre not just reporting incomplete and misleading informationyoure interfering with the legal process and violating your obligations under the Fair Credit Reporting Act ( FCRA ) to report only fully accurate and verifiable data.

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 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I reported unauthorized transactions totaling XXXX USD on my Chase debit card to Chase on XX/XX/year>. These transactions involved fraudulent purchases on XXXXXXXX XXXX XXXX  using my debit card information, with items shipped to my home address. I did not authorize these transactions. 

I provided Chase with the following evidence My purchase history confirming I did not make these transactions A XXXXXXXX XXXX XXXX  chat transcript confirming that another individual, XXXX XXXX, was using my card to place these orders Photographic evidence of physical packages shipped to me addressed to XXXX XXXX, whom I do not know In my dispute letter, I explicitly requested that Chase provide evidence that these transactions were authorized by me, as required under EFTA and Regulation E. 

Chase sent me a written denial on XX/XX/year>, but failed to provide any such evidence. The letter only contained a vague statement that the transactions were processed according to the information provided or authorized, without any supporting documentation. This is not compliant with EFTA and Regulation E. 

I also sent a follow-up Secure Message again requesting the required evidence. Chase has not provided a satisfactory response. 

Company Response Desired Full refund of XXXX USD and full compliance with EFTA and Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am filing this complaint to dispute a large deferred interest charge applied to my XXXX XXXX XXXX XXXX account with Comenity Capital Bank. 

In XX/XX/XXXX, I financed {$7800.00} under a 24-month deferred interest promotional plan. Throughout the promotional period, I made consistent automatic monthly payments of {$280.00}. By XX/XX/XXXXXXXX  ( when the promotion expired ), I had paid off over {$6700.00} of the balance, leaving only {$1100.00} unpaid. 

Immediately after the promotion expired, Comenity Capital Bank charged {$4200.00} in deferred interest, applying retroactive interest on the full purchase amount rather than on the remaining unpaid balance. This charge is excessive, disproportionate, and was not clearly disclosed or reasonably expected. 

I submitted a written dispute on XX/XX/XXXX, under the Fair Credit Billing Act ( FCBA ). Comenity acknowledged my dispute but denied it, only issuing a small courtesy refund of {$120.00} while maintaining the full charge. 

While the dispute was still active, I attempted to make my minimum payment on the due date, but due to Comenity 's cutoff time after XXXX XXXX  ET, the payment posted the next day and triggered an additional {$30.00} late fee. This fee is unfair, especially during an active dispute. 

They have continued charging monthly interest on top of the disputed balance, adding ongoing financial harm. 


Documents attached : My written dispute letter The banks written denial response My statements ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: NY

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. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-12 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: NY

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. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-06-12 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: AZ

Complaint narrative:
Subject : Identity Theft Formal Dispute and Request to Block Fraudulent Accounts under FCRA 605B ( 15 U.S.C. 1681c-2 ) I am formally disputing and requesting the immediate blocking of fraudulent information currently reported on my TransUnion credit file, pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b ( a ) ( 2 ).

Under federal law, consumer reporting agencies may only furnish consumer reports for certain permissible purposes. I did not authorize these accounts, nor was I provided proper notification or the ability to opt out, constituting a direct violation of 15 U.S.C. 1681a ( 4 ). The presence of this information on my credit file infringes on my privacy and is unlawful without my consent.

Furthermore, under 15 U.S.C. 1681c-2, a consumer reporting agency must block any item of information identified as resulting from identity theft within XXXX business days of receiving an identity theft report. I have attached my FTC Identity Theft Report ( Report Number : XXXX ) in support of this request. 

Fraudulent Accounts to Be Blocked from TransUnion Report : XXXX Account # : XXXX * * * * * * * Balance : {$5500.00} Date Opened : XX/XX/XXXX Status : Collection/Chargeoff Placed for Collection Creditor : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX Account # : XXXX * * * * * * * * * * Balance : {$1100.00} Date Opened : XX/XX/XXXX Status : Collection/Chargeoff Placed for Collection Original Creditor : XXXX XXXX XXXX Last Verified : XX/XX/XXXX These accounts were not authorized by me and are the result of identity theft. The continued reporting of these derogatory accounts is materially harmful and violates my rights under FCRA. I have not received any legally required documentation or validation under 15 U.S.C. 1681g ( 609 ) or 1681i ( 611 ) despite prior requests.

Resolution Requested : Immediately block and suppress the above-listed accounts from my TransUnion credit report under FCRA 605B .

Provide written confirmation that these items have been blocked within 4 business days, as required by law.

Failure to comply may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and legal action under FCRA XXXX for willful noncompliance. 

Thank you for your urgent attention to 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 2025-06-12 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: CT

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. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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. Code 1692e ) for deceptive and misleading reporting.

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