vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: SC

Complaint narrative:
XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXXXXXX XXXX Balance Owed : {$16000.00} XXXX  XXXX XXXX XXXX XXXX  Balance Owed : {$640.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX  Balance Owed : {$16000.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00} I am writing to dispute the inaccurate reporting of the above-referenced account pursuant to My rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Grounds for Dispute : 1. This account is listed as a charge-off, but the information is inaccurate, incomplete, and Unverifiable. 
2. Under FCRA 611, you must conduct a reasonable reinvestigation of this account within 30 Days.

3. I demand documented evidence, including the original signed agreement and a complete Accounting of the alleged debt.

4. If the creditor can not substantiate the accuracy of the charge-off with proper Documentation, the item must be deleted from my credit file.

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 2025-09-03 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: IL

Complaint narrative:
These accounts were opened fraudulently and are not mine. Please take prompt action to remove them and investigate the matter. Attached is relevant evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming 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 2025-09-03 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: VA

Complaint narrative:
On XX/XX/XXXX, I used my Chase credit card to purchase a XXXX XXXX XXXX  from XXXX XXXX XXXX for {$4000.00}. Within days, licensed mechanics confirmed multiple undisclosed safety defects that should have failed state inspection ( brakes, suspension, battery ). Two independent warranty companies canceled coverageone for pre-existing damage, the other for dealer manipulation. 

The Bill of Sale contains an AS-IS clause, but the signature line is undated. This makes it unclear when or if I knowingly accepted those terms, which voids their legal defense. Chase denied my dispute based only on the merchants Bill of Sale and failed to address any of my supporting evidence. I submitted a legal rebuttal, but Chase closed the case without responding. 

Chase did issue me a {$100.00} internal creditpossibly acknowledging mishandlingbut did not reverse the {$4000.00} transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
The account was closed and remarked as a charge off for over a year and between XX/XX/XXXX and XX/XX/XXXX the account status was changed to open and the charge off remark was removed. GM financial states is was never closed so and wouldn't give me any other information regarding these changes, I've submitted photo evidence off the account being shown as closed and changed to open and of the charge off remark being removed...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a Capital One credit card with a promotional offer requiring {$5000.00} in spend within a specified period for XXXX points. The original card was not delivered, and upon calling, I was informed that an extension to the spend requirement would be granted ( extended to XX/XX/year> ) Subsequently, I spoke with a Capital One representative on XX/XX/year> who explicitly confirmed that I had already satisfied the {$5000.00} minimum spend requirement and instructed me to wait until after XX/XX/XXXX for the bonus points to post and call back to check. Based on this explicit assurance, I ceased monitoring incremental spend under the reasonable belief that the requirement was fulfilled. 

After the promotional period closed on XX/XX/year>, Capital One informed me that I had only spent {$4900.00} - {$75.00} short of the threshold - and refused to honor either the bonus or an additional extension. Capital One is now attempting to deny the bonus despite my reasonable and detrimental reliance on the representatives misrepresentation.

Regulatory concern : Capital Ones actions constitute a failure to honor a promotional offer and reliance on inaccurate, misleading statements by its representative. Consumers are entitled to accurate information when determining whether promotional terms have been met. 

Requested resolution : I request that Capital One honor the promotional signup bonus as originally represented, or alternatively, provide a monetary credit equivalent to the value of the bonus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: MS

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I deposit a check that a friend gave me to cash some time in XXXX XXXXThe bank put a freeze on my funds until they did the investigation. The bank closed all of my accounts and we have tried to retrieve the funds and all I get is miss information and the run around. The name of the bank is Wells Fargo. All I want is the money to be released because Wells Fargo owe me {$9300.00}.

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 explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
I am filing a complaint regarding inaccurate information being reported on my credit reports with TransUnion, Experian, and Equifax. 
Creditor Name : [ XXXXXXXX XXXX Account Number : [ XXXX ] This account is inaccurate, incomplete, and unverifiable. The credit reporting agencies have failed to ensure maximum possible accuracy as required under the Fair Credit Reporting Act ( FCRA ) 607 ( b ).

I have disputed this account and the data has not been properly verified. The furnisher has not provided original documentation to support the reporting of this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
I am filing a complaint regarding inaccurate information being reported on my credit reports with TransUnion, Experian, and Equifax. 
Creditor Name : [ XXXXXXXX XXXX Account Number : [ XXXX ] This account is inaccurate, incomplete, and unverifiable. The credit reporting agencies have failed to ensure maximum possible accuracy as required under the Fair Credit Reporting Act ( FCRA ) 607 ( b ).

I have disputed this account and the data has not been properly verified. The furnisher has not provided original documentation to support the reporting of this account

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 2025-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I wish to formally dispute the fraudulent account that has been inaccurately reported in my credit history. I did not open or authorize this account at any point. It is not mine, and its presence on my credit report is damaging and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am submitting this complaint because the consumer reporting agency did not fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a comprehensive explanation of the reinvestigation process used to verify disputed information. I requested details including the name and contact information of the furnisher, the identity of the person contacted, and the documentation reviewed to confirm the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, denying me the transparency and verification rights granted under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I am filing this complaint regarding my auto loan with Bridgecrest. 
I paid off my loan in full on XX/XX/year>, posted on XX/XX/year> using the official payoff quote provided by Bridgecrests system. The amount I paid was {$330.00}. Despite this, Bridgecrest reversed my payoff payment and re-applied it incorrectly, which caused their system to generate a new payoff balance that was higher than my original payoff. 
As a result : My account has not been closed, even though I satisfied the loan almost three weeks ago.

They are attempting to charge me additional interest that accrued only because they reversed my valid payoff.

The lien release has not been processed.

My credit report is incorrectly showing a balance of {$570.00}, which is damaging my credit. 


I have spoken with multiple representatives, and while some confirmed my account should be paid in full and i had a negative balance, Bridgecrest has not corrected the issue, released my title, or updated my credit reporting.

I am requesting the CFPBs assistance to ensure : My original payoff is honored.

My account is reported as paid in full, {$0.00} balance, closed.

My lien/title is released immediately.

Any improper interest charges resulting from their reversal are waived.

This is an unfair and deceptive practice that has caused me financial and credit harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: FL

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a confirmed XXXX XXXX  with valid XXXX documentation submitted previously. Despite legal protections under FCRA 605C, Equifax has failed to comply with the mandatory timeline for blocking trafficking-related derogatory information.

I have filed several complaints with the U.S. Department of Justice Civil Rights Division, including report numbers XXXX and XXXX, regarding identity theft, trafficking-related discrimination, illegal eviction, and other civil rights violations. Despite these filings, no substantive action has been taken, and my issues remain unresolved. 

Additionally, I was poisoned on XX/XX/year>, which has severely impacted my health and well-being. Since that incident, I have been homeless, unsafe, and at risk due to ongoing digital surveillance and other threats. 

Equifaxs failure to promptly and permanently block fraudulent and XXXXrelated derogatories, combined with the denial of ADA-compliant access and refusal to provide proper dispute channels, has directly contributed to my housing loss, compromised safety, and inability to restore my credit and stability. 

Federal Case Number : Case No. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ONLY on Equifax XXXX XXXX  ONLY on Equifax XXXX ONLY on Equifax XXXX XXXX XXXX ONLY on Equifax ALL NEED TO BE DELETED AND THE ADDRESSES AS WELL ONLY ADDDRESS SHOULD BE XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation