vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-12-26 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: IL

Complaint narrative:
I am submitting this complaint regarding Bridgecrests handling of my auto loan following a theft loss. 
The vehicle securing my loan was stolen immediately after delivery. Insurance coverage is under formal appeal, and seller liability is disputed. I contacted Bridgecrest to request a temporary accommodation or hardship review while these matters are pending. 
Bridgecrest advised that it does not place payments on hold or consider accommodation unless the insurer directly contacts Bridgecrest to confirm the theft claim. I requested such confirmation from the insurer ; however, the insurer refused in writing to provide lender confirmation because the claim was denied and closed, despite an appeal being requested. 
As a result, I am trapped between the lender and insurer : Bridgecrest will not consider accommodation without insurer confirmation, and the insurer refuses to provide it. Bridgecrest continues to direct me to call customer service but has not provided a substantive written response to the dispute or explained how a consumer can obtain relief when insurer confirmation is unavailable. 
I am requesting CFPB review of Bridgecrests handling of this disputed auto loan, including whether conditioning hardship accommodation solely on insurer contactwhen the insurer refusesresults in unfair servicing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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 am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: MD

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: MD

Complaint narrative:
This is a follow-up complaint regarding [ Experian / Equifax / TransUnion ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in Sessa v. TransUnion ( 2023 ), Kirtz ( 2024 ), and Norman v. TransUnion ( 2023 ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : 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 2025-12-26 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: KY

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion regarding the continued reporting of inaccurate, inconsistent, and unverifiable information on my consumer credit reports. Despite prior disputes, you have repeatedly verified negative accounts and remarks without conducting a reasonable or lawful reinvestigation as required under the Fair Credit Reporting Act. This pattern reflects willful noncompliance and a failure to maintain maximum possible accuracy, causing ongoing and measurable harm to my creditworthiness. 

The disputed items include XXXX XXXXXXXX XXXX XXXX  ( XXXX XXXX ), which is reported as a charged-off auto loan with conflicting balances, dates, and delinquency histories across bureaus, yet no signed retail installment contract, full payment history, or proof of assignment has ever been produced. I am also disputing XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX  where negative late payment remarks are being furnished while the accounts are simultaneously reported as open, current, and with no past-due balance. An account can not be current and delinquent at the same time without the reporting being inaccurate and misleading. Additionally, XXXX XXXX XXXX XXXX XXXX is being reported inconsistently across bureaus, including contradictory account status and payment history data, proving that the information can not be reliably verified. 

I am further disputing the collection accounts XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX, both of which are being reported without any competent evidence of ownership, itemized accounting, original contract, or lawful authority to report. No documentation bearing my signature has been produced, no permissible purpose has been established, and no Metro 2compliant verification has occurred. Continued publication of these unverified collections after notice constitutes reckless disregard for accuracy and unfair or deceptive practices under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( 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 2025-12-26 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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: CA

Complaint narrative:
I am submitting this complaint with certainty and not in error. My credit report contains a specific account that is not being reported with maximum possible accuracy. The inaccurate information associated with this account continues to negatively affect my credit standing and overall financial well-being. During an already challenging period, the continued reporting of this error has caused unnecessary stress and hardship.

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 2025-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCSPLUS INCORPORATED
State: VA

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau Re : Complaint ID XXXX To Whom It May Concern : This letter responds to the Consumer Financial Protection Bureaus correspondence dated XX/XX/year>, requesting additional information regarding the above-referenced complaint. 
Both the company and its collection agent have previously stated to the Bureau that they are unable to locate my file or identify me in their records. This assertion is inconsistent with their actions, as a collection notice was issued to me and additional collection activity has continued. 
The matter concerns a traffic citation issued in XXXX, XXXX, which has been paid in full. Payment was made on XX/XX/year>, via bank transfer to the XXXX XXXXXXXX XXXX XXXXXXXX XXXX, the issuing authority. The transfer reference identifies the payment as XXXX Traffic Violation, and the full amount of XXXX was successfully received. 
Despite providing proof of payment, I subsequently received a collection letter from XXXX  Plus , Inc. dated XX/XX/year>, asserting that a balance remained due. This occurred after payment had already been confirmed and documentation had been supplied. 
Given the confirmed payment and the collectors contradictory statements regarding their ability to locate my account, this collection activity appears to result from a record-matching or administrative error.

Enclosed are proof of payment and municipal correspondence confirming that the citation has been paid in full. I respectfully request that the Bureau proceed with its review and ensure that this matter is corrected and closed with no balance due, and that any related collection activity ceases. 
Thank you for your attention to this matter. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
This account has been wrongfully attributed to me and the reporting is inaccurate ; I request an immediate review and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I am writing to notify you that I am a victim of identity theft/fraud. Accounts have been opened using my personal information without my knowledge or authorization. These accounts do not belong to me, and I am not responsible for any charges, balances, or collection activity associated with them. Despite my previous written disputesincluding multiple letters and a recent message submitted through your online portalPortfolio Recovery Associales continues to report fraudulent information on my credit reports. This ongoing reporting is a violation of federal law. Enclosed, you will find a copy of my FTC Identity Theft Report, an Identity Theft Dispute Letter ( FCRA 605B, 611, 623 ), and an additional written request demanding that these fraudulent accounts be deleted immediately from all of my credit reports. XXXX, XXXX, XXXX  and any other reporting agency must remove this information, as continued reporting is unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: MI

Complaint narrative:
I obtained a copy of my consumer report and notified your agency multiple times ; about the items I disputed. I sent my notice to your agency, which included an FTC Identity Theft Report, and filed a complaint with the CFPB. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me as required by the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-12-26 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: MI

Complaint narrative:
I obtained a copy of my consumer report and notified your agency multiple times ; about the items I disputed. I sent my notice to your agency, which included an FTC Identity Theft Report, and filed a complaint with the CFPB. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me as required by the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NC

Complaint narrative:
Long hold times, confusing statements. XXXX let me pay my current forbearance. Even though I XXXX  been in school in over XXXX  years

Company response to consumer: Untimely response
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-12-26 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: SC

Complaint narrative:
Our vehicle was traded in on XX/XX/2025 and XXXX XXXX XXXX XXXX received the payment on XX/XX/2025 for payoff. The payment was due on the XXXX of each month. I submitted an additional payment on XX/XX/2025 for the XXXX payment and the account was reported as Closed ; 30 days past due. The account has never been past due 30 days. I contacted the bank multiple times and they stated that the information was incorrect and I needed to submit a dispute for them to update the account. I spoke with 3 supervisors and multiple reps. They investigated and assured me that this would be corrected. After the dispute, it is continuing to remain the same. I provided documentation of the payment being on the XXXX of the month and the credit bureau Transunion; did not even show any late payments. How can you report a late report but all months reported as current. This inaccurate information is causing a drop in my score and the bank is not holding to their word. I also asked for them to pull the call and it has been over 2 weeks with no response or call back as promised within 3-4 days. The bank is stating they are referring to the last payment which was submitted on XXXX and was not 30 days late until XXXX.

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 2025-12-26 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever theXXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-12-26 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: CA

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

Company 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