vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
I am reaching out to request the CFPBs assistance in ensuring that the Equifax properly process and investigate the dispute I submitted regarding multiple items on my credit report. After reviewing my file, I found several accounts and data that appear to be inaccurate, incomplete, or inconsistent, and I outlined those concerns in a detailed dispute letter. This complaint is to make sure the credit bureaus fulfill their responsibilities under the Fair Credit Reporting Act ( FCRA ) by giving my dispute the attention it deserves. I expect a full investigation into each item I listed, not just a generic response or verification without review. The information in question has a direct impact on my financial standing, and it is essential that my credit file reflect only accurate and complete information. My dispute letter, attached to this complaint, provides a clear breakdown of what needs to be reviewed and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Complaint Against Citibank XXXX XXXX ( CBNA ) for Inaccurate Credit Reporting Dear CFPB, I am submitting this complaint regarding Citibank XXXX XXXX ( CBNA ) for inaccurate and incomplete reporting of a closed credit-card account appearing on my consumer credit reports. 

Account Details : Creditor : CBNA ( Citibank XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Status : Closed {$120.00} past due as of XX/XX/XXXX Balance : {$1900.00} Credit Limit : {$1900.00} Status Updated : XX/XX/XXXX This account is currently reporting multiple late payments in XXXX and XXXX and an active past-due balance, even though the account is closed. I have previously disputed the accuracy of this information with the credit bureaus, but the creditor has not provided adequate verification or supporting documentation to justify the continued reporting.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), furnishers of information must ensure that all data reported to consumer reporting agencies is accurate and verifiable. To date, CBNA has not provided : Documentation showing the basis for the past-due amount ; A payment ledger confirming that the account remains delinquent ; or Proof that the late-payment history being reported is valid.

The continued reporting of potentially unverifiable negative information is damaging my credit standing and may constitute a violation of the FCRA.

I am requesting that the CFPB investigate CBNAs reporting practices and require the creditor to either : Provide full validation of the debt and proof of each late payment reported ; or Correct or delete this account from my consumer credit reports with XXXX, XXXX, and XXXX. 
I am enclosing identification and recent credit-report pages showing the disputed item for your review.

Thank you for your time and attention to this matter. I appreciate your assistance in ensuring fair and accurate credit reporting. 

Sincerely, XXXX 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 explanation
Consumer complaint received 2025-10-13 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: CA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: SC

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 2025-10-13 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: SC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: 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 non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
A 30-day late payment was reported on my motorcycle loan with American Honda Finance for XXXX and XX/XX/year>. I believe this information is inaccurate. I do not have records of late payments, and I request that American Honda Finance investigate and provide verification of the reported delinquencies. Under 15 USC 1681c-2, if the information can not be verified as accurate, it must be removed from my credit report. I request written confirmation of any corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Credit Acceptance Corporation is inaccurately reporting a former auto loan account as open and 120+ days delinquent, even though the account has already been reduced to a court judgment and I am currently making regular payments through the sheriffs office as ordered by the court.

This is factually inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ) and 623 ( a ) ( 2 ), which require furnishers to report information that is accurate and up to date. Once an account is reduced to judgment, it is no longer an open credit account and should be reported as Closed Transferred to Legal Collections/Judgment with a {$0.00} balance.

On XX/XX/year>, I sent formal dispute letters via certified mail to Credit Acceptance and all three credit bureaus. The letters were delivered on XX/XX/year>, confir

med by USPS tracking and return receipts. Credit Acceptance has failed to respond to my dispute within the 30-day timeframe required by FCRA 623 ( a ) ( 8 ) and 611 this is a separate violation of their duty to investigate consumer disputes. Credit Acceptances failure to update or respond is causing ongoing harm to my credit score and misleading potential lenders

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 2025-10-13 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: FL

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

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 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: IN

Complaint narrative:
XX/XX/year> XXXX I am stressed out because this company is violating my rights Under 15 U.S.C. 1681s2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
Last month I was the victim of financial fraud on my Chase debit card. From XX/XX/XXXX - XXXX, a number of unrecognized charges hit my account. 

To their credit, Chase immediately refunded me two charges : {$180.00} - XXXX, XXXX ( XXXX ) {$72.00} - XXXX, XXXX, PA ( XXXX ) However, they denied three other charges : {$230.00} - XXXX XXXX, XXXX, NY ( XXXX ) {$180.00} - XXXX XXXX, XXXX, NY ( XXXX ) {$180.00} - XXXX XXXX, XXXX, NY ( XXXX ) After numerous times calling, I was informed that there wasn't enough evidence that these charges were fraudulent as they were physical charges 'close to my home address ' in XXXX XXXX NY and they could see no evidence of someone hacking my XXXX XXXX account. 

I've also contacted the retailers and they've been no help. They can only make refunds on tracked purchases made through their respective credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
Bought vehicle XX/XX/year> was never told it is IMPERATIVE the first two payments must be paid on the due date no later or it will be repossessed. Thats a very important fact to tell a new customer. I made first payment and second payment was a couple weeks late almost 3. I was returning from family and seen my car not in the space I left it the early morning or XX/XX/year>. I immediately paid the {$300.00} I owed thats all I owed and it was 18 days late. I then called them when they opened and they requested the full payment of the vehicle they did not care that I had the {$300.00} payment and the upcoming {$300.00} payment early again requested full amount of balance on the car. It took almost two weeks to tell me I can set up with Bridgecrest to get items out the car and at this point how do I know items were not stolen. This was the worst most rushed and lack of information transaction I have ever encountered and to take {$1000.00} down payment and a {$300.00} payment to turn around and take the car and not be accountable for you missteps. They also told me that it would not be on my credit. I go to a new dealer to get a vehicle and see it is there and call them and say why is this on my credit you guys stated it will look like I never had it and it wont touch my credit the guy adds oh it takes 60-90 days for that all I get is half truths and lies all the calls are recorded I hope with XXXX and Bridgecrest pull them but at this point I am disgusted with how two companies have operated and quite frankly I feel like I am not the only one they have done this to. I get it all bills should be paid on the due date but I work for the IRS and unfortunately this economy does not always allow that and I was less than 21 days late and they just reposessed my car no email about a repo no letter in the mail nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-10-13 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:
I am writing to formally request the reinstatement of two credit card accounts that were previously removed from my credit report following a fraud claim. After reviewing the details, I now acknowledge that these accounts were not fraudulent and were, in fact, valid accounts under my name.

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 2025-10-13 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/XXXX I paid a merchant named XXXX XXXX for a piano mentorship program thru XXXX. The program offered XXXX  months of video training thru zoom and offered self tutorial assistance thru their website among other benefits which I was supposed to have lifetime access to. The program cost {$2500.00} Euros. I paid about {$2600.00} USD. I did have my XXXX  months of virtual lessons, but I felt targeted during some of the virtual lessons and spoke about it to the merchant. The merchant did not like that and cancelled my contract denying me access to the lifetime benefits thru their website. I informed XXXX that I did not receive all of my services and they informed that I was passed my XXXX  day window and to contact my bank. I have contacted my financial institution and they are willing to assist me but XXXX won't do the chargeback. XXXX assigned me a dispute case number : XXXX on XX/XX/XXXX. The case has been closed and reopened several times. I explained that the money transfer was initially approved as a XXXX time authorization on XX/XX/XXXX, but by XX/XX/XXXX it became obvious the merchant was not going to do business in good faith and honor the contract or the itemized receipt of benefits and entitlements that I had paid for upfront. XXXX said they had received an answer from the XXXXXXXX XXXX bank XXXX XXXX that the charge was an authorized one. I explained to XXXX I didn't understand why they were not going back to XXXX and opening a case asking for a charge back. Eventually XXXX said they had reached out to XXXX but XXXX refused to consider a charge back and XXXX issued XXXX an XXXX page letter explanation. XXXX said they were going to forward the letter onto me but never did. I wonder if such a letter was even generated because when I took it upon myself to call XXXX and verify some of this so called interaction between my bank and XXXX, XXXX says they have no communication or record of XXXX reaching out to them to discuss the matter of a charge back. As to the response from the XXXXXXXX XXXX  bank, XXXX XXXX, I was told proof could be provided that the original charge on XX/XX/XXXX was authorized and valid, this letter of response was never forwarded to me either. But regardless, the response, like I outlined earlier was paid in good faith on the XX/XX/XXXX but on XX/XX/XXXX their merchant cancelled the contract and froze me out of the lifetime access to the website I paid for and have verbiage on the itemized receipt to unfulfilled entitlements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I have noticed late payment entries on my credit report that I believe are incorrect. As outlined in 15 USC 1681e ( b ) and 15 USC 1681i, all information must be accurate, complete, and verifiable. I am requesting that these entries be investigated, and if they can not be fully verified, they should be corrected or deleted.

Company response to consumer: Closed with explanation