vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
On XX/XX/XXXX, I submitted a lawful red ink stamped tender and formal billing error dispute to Bridgecrest under UCC 3-603 and 15 U.S.C. 1666 ( TILA ). This dispute involved a reversal of a Paid in Full status from XX/XX/XXXX. 

On XX/XX/XXXX, while the dispute remained unresolved, Bridgecrest reported a XXXX late payment to the credit bureaus. I sent an address confirmation by registered mail the same day and submitted an identical dispute by email, which Bridgecrest acknowledged. 

On XX/XX/XXXX, they emailed a threat to report a XXXX delinquency unless I paid {$540.00} by XX/XX/XXXX. As of XX/XX/XXXX, the Bridgecrest dashboard displays a coercive XXXX alert warning of credit damage unless I pay. These actions violate the Fair Credit Billing Act, the Fair Credit Reporting Act, and the FDCPA, as no written response has been issued while the billing error and tender remain unresolved. 

Ive submitted a notarized affidavit with all supporting documentation and now request formal investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
I am requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please act within 4 days : 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 FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-05-29 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: AL

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX  - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$6800.00} XXXX XXXX XXXX  - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX  - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX  - Account Number : XXXX * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX ' own legal representative XXXX XXXX XXXX XXXX XXXX  issued a formal letter dated XX/XX/year>, confirming the account was settled in full. Despite this, Experian is reporting the account as unpaid. This is false. I have contacted XXXX, and they confirmed the reporting should reflect a {$0.00} balance and settled status. Experians claim that the data furnisher verified the debt is inaccurate or based on incomplete communication. 

Despite this, Experian continues to report the account as unpaid, which is factually incorrect and in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 623 ( duty of furnishers to report accurate information ) and 611 ( obligation to reinvestigate disputed information ). 

I submitted a dispute to Experian along with : A copy of the settlement letter dated XX/XX/XXXX My ID and proof of address Experian responded claiming that XXXX, the data furnisher, verified the account as accurate. This is false. I have since spoken to XXXX legal team and their collections attorney, both of whom confirmed the account was settled and closed as of XX/XX/year>. 

This means Experian either : Failed to reinvestigate the dispute properly, or Is continuing to report information that is knowingly inaccurate This is damaging my credit and violates my rights under the FCRA. I am asking the CFPB to intervene, as Experian 's refusal to correct the tradeline even with written proof is unacceptable and unlawful.

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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
The card company closed my oldest credit card account due to inactivity. To my knowledge I was not notified prior to the company closing the card. It was one of my oldest cards so a significant adverse affect took place to my credit score. I called the company to ask about the account being closed and asked if they could reconsider and report my account. I was advised that the card had apparently been closed on XX/XX/XXXX and that a letter was sent to me in late XXXX. To me, this is an unacceptable reason for my credit to take such a massive hit based on this instance. For one, I do online and mobile banking and I travel all the time. I can easily see a single random letter getting mixed up and confused with the thousands of marketing mail we get from all of these card companies begging us to open all types of new accounts. My understanding is that there is usually 2 years before a card is closed due to inactivity. My last use was XX/XX/year> on the closed card. I have 2 other cards with this company that is used much more recently and often. Had I been aware I would have used the card that is now closed. In all the years I've been a customer, I've never missed a payment and the balance was {$0.00}. Yet still no grace for this? On their website they say if your card is closed due to inactivity, I MAY be able to have it reopened. If I don't qualify based on my years of loyalty and punctual payments, then who does? This does not seem to be fair practices and when I asked today and even escalated the call, both people said there was absolutely nothing that could be done. They only offered me the ability to apply for a new card and my loyalty of years which they alluded to on the call, would still be wiped away. They said had I responded to the mail, they would have kept it open. The card was closed less than a month ago. I am willing to use the card and get this rectified but the company is not providing me any ability to do so. Given the impact this has on my credit standing, I believe there should be a more fair dealing with this situation. Please advise if there are any other options available to fix this. If this needs to become a legal matter, please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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. 

XXXXXXXX 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 - Incorrect Personal XXXX XXXX XXXX XXXX  XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX - Incorrect Personal XXXX XXXXXXXX XXXX - Incorrect Personal, has violated my rights.

I looked at my credit bureau Transunion credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In gene
rally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days

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 2025-05-29 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: MD

Complaint narrative:
Im formally requesting that you certify that every piece of data tied to this account truly and fully belongs to me. That means full verification not assumptions, not partial matches, but complete accuracy down to every detail.

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 2025-05-29 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: AZ

Complaint narrative:
I was impacted by a recent data breach, and fraudulent accounts have been placed on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please ensure these accounts are blocked and deleted within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2025-05-29 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against Experian for violating multiple sections of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. I submitted formal disputes and pre-arbitration letters with proof, but Experian failed to correct inaccurate, harmful information on my credit report. 
XXXX XXXX  account number isnt correct on transunion they have it as XXXX * * * & on Experian they have it starting with XXXX as seen in the screenshots I provided First, Experian continues to report a XXXX late payment for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>. However, TransUnion has already corrected this to paid on time in XX/XX/year>, proving the inaccuracy. Reporting two different outcomes between CRAs violates FCRA 1681e ( b ), which requires maximum possible accuracy. I demand Experian immediately change the XXXX late payment to Paid or Current. 

Second, the XXXX XXXX account is being reported as both charged off, past due, and current simultaneously which is contradictory, misleading, and unlawful. XXXX has already sold this debt to two different collectors, which they admitted in their CFPB response. Despite this, Experian continues to allow XXXX to update the account, damaging my credit history and score.

Violations include : FCRA 1681e ( b ) : Inaccurate data.

1681i : No proper reinvestigation or correction after my dispute.

1681s-2 ( b ) : Continued reporting of false data after notice. 
XXXX XXXX XXXX XXXX : Illegally showing CO ( charge-off ) monthly. 
XXXX XXXX XXXX XXXX : Showing past due on a charged-off account. 
XXXX XXXX XXXX XXXX : No XB code applied after my dispute. 

Experian is also reporting my name incorrectly by omitting XXXX and keeping outdated phone numbers, violating FCRA XXXX privacy rules. I demand immediate correction or deletion of this data. If not resolved within 15 days, I will pursue arbitration and federal action under FCRA XXXX and XXXX and escalate through the BBB and public forums with proof.

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 2025-05-29 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: LA

Complaint narrative:
Pursuant to XXXX U.S. CXXXX XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by XXXX U.S. CXXXX XXXX g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure. 
4. An itemized statement breaking down the balance you claim I owe. 
5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief