vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
This complaint concerns new violations that occurred after a completed credit bureau reinvestigation and were not previously reviewed. 

XXXX  completed a reinvestigation on XX/XX/year> and confirmed that First National Bank materially modified historical account information and additional data fields on my credit report. This admission establishes that the account was not accurately reported prior to reinvestigation.

Despite these post-reinvestigation changes, First National Bank continues to report the account with material inaccuracies and unverifiable information, including : Monthly reporting of repossession status ( K ) long after the repossession event, even though repossession is a one-time occurrence and can not be reported as a recurring monthly condition.

Multiple months reported as No Data Available, making the account incomplete and incapable of lawful verification.

Ongoing reporting of a charge-off amount alongside a fluctuating past-due balance without providing any itemized deficiency calculation, sale documentation, or notices.

Continued balance changes after repossession and charge-off despite zero payments, which is mathematically and contractually inconsistent absent documented proof.

Rather than deleting unverifiable information as required, the furnisher altered historical data and continued reporting. This demonstrates a failure to conduct a reasonable investigation and a failure to delete inaccurate or incomplete information after reinvestigation.

This complaint is based on new post-dispute evidence and reinvestigation results, not previously reviewed issues.Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) failure to delete unverifiable or incomplete information 15 U.S.C. 1681s-2 ( b ) failure to conduct a reasonable investigation after notice of dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: NV

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several account. Despite my prior request, the following account still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these account are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Late 90 days XXXXlink tp open account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Nc XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Re : Request to Update Personal Information on My Credit File To Whom It May Concern : I am submitting this written request to correct and update the personal information listed on my credit report. The current information on file is inaccurate and does not match my verified identifying documents. Please update my credit file to reflect the correct information shown below : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, NC XXXX Date of Birth : XX/XX/XXXX Social Security Number ( Last XXXX ) : XXXX I am including copies of the required identification documents to verify these corrections ( government-issued ID, Social Security document , and proof of address ). Please complete this update and mail or email written confirmation once the corrections have been made. Thank you for your prompt attention. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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 am submitting this complaint to formally dispute fraudulent and inaccurate information that is currently reporting on my consumer credit reports. I have already contacted the credit reporting agencies directly and exercised my rights to dispute these items ; however, despite my efforts, the inaccurate information remains on my credit file. 



This failure constitutes a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which requires consumer reporting agencies to ensure maximum possible accuracy and to conduct reasonable reinvestigations when a dispute is submitted.

Failure to Conduct a Reasonable Reinvestigation Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether disputed information is inaccurate. Despite my dispute, the credit bureaus failed to remove or correct the fraudulent information, indicating that no meaningful or reasonable reinvestigation occurred Reporting of Inaccurate and Unverifiable Information Pursuant to 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. The continued reporting of fraudulent and inaccurate data demonstrates a failure to comply with this statutory requirement. 

Failure to Delete Information That Can not Be Verified Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if disputed information can not be verified, it must be promptly deleted. The disputed account ( s ) remain on my credit report without proper verification, in direct violation of this provision.

Consumer Rights to Accurate Credit Reporting The continued reporting of inaccurate and fraudulent information has caused harm to my credit profile, including negative impacts on my creditworthiness, financial opportunities, and peace of mind. This violates the consumer protection purpose of the FCRA, which is designed to ensure fair and accurate credit reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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 submitting this complaint to formally dispute fraudulent and inaccurate information that is currently reporting on my consumer credit reports. I have already contacted the credit reporting agencies directly and exercised my rights to dispute these items ; however, despite my efforts, the inaccurate information remains on my credit file. 



This failure constitutes a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which requires consumer reporting agencies to ensure maximum possible accuracy and to conduct reasonable reinvestigations when a dispute is submitted.

Failure to Conduct a Reasonable Reinvestigation Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether disputed information is inaccurate. Despite my dispute, the credit bureaus failed to remove or correct the fraudulent information, indicating that no meaningful or reasonable reinvestigation occurred Reporting of Inaccurate and Unverifiable Information Pursuant to 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. The continued reporting of fraudulent and inaccurate data demonstrates a failure to comply with this statutory requirement. 

Failure to Delete Information That Can not Be Verified Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if disputed information can not be verified, it must be promptly deleted. The disputed account ( s ) remain on my credit report without proper verification, in direct violation of this provision.

Consumer Rights to Accurate Credit Reporting The continued reporting of inaccurate and fraudulent information has caused harm to my credit profile, including negative impacts on my creditworthiness, financial opportunities, and peace of mind. This violates the consumer protection purpose of the FCRA, which is designed to ensure fair and accurate credit reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: TN

Complaint narrative:
Equifax Information Services LLC is incorrectly reporting account information that is required to be blocked under Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-3 ) and 12 C.F.R. 1022.142.

I am a survivor of XXXX XXXX and submitted qualifying documentation, including a victim determination issued by a law-enforcement XXXX XXXX task force authorized by a governmental entity, a self-attestation, a list of affected accounts, and proof of identity. 

Despite receipt of this documentation, Equifax continues to report these accounts instead of applying the mandatory 605C block. This constitutes incorrect account information under federal law.

Equifax Information Services , LLC, legal dept. has been sent a certified return signature receipt on XX/XX/year>. The XXXX - day cure period begin with the submission of this CFBP Complaint dated XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am submitting this complaint regarding JPMorgan Chase Banks reduction of my credit card credit limits. 
Chase reduced my credit limits after receiving certain payments a few days after the due date. However, none of my accounts were ever 30 days past due, and no late payments were reported to any consumer reporting agency. 
The credit line reductions materially and has drastically increased my credit utilization and negatively impacted my creditworthiness despite the absence of any reportable delinquency. 
I am concerned that : The action taken was disproportionate to the account activity I have not clearly received a formal Adverse Action Notice explaining the specific factors used The reduction appears to be an automated risk decision without adequate consideration of my overall account history I am requesting : Written disclosure of the specific factors used in the decision Confirmation of whether a consumer credit report was relied upon Reconsideration of the credit line reductions or partial restoration I am not disputing Chases general right to manage risk, but I am requesting transparency, regulatory compliance, and a fair review of my accounts. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I do not recognize this account, and it has been reported incorrectly on 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 explanation
Consumer complaint received 2025-12-22 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: GA

Complaint narrative:
I am filing this complaint regarding inaccurate reporting on my Experian credit report concerning my XXXX  XXXX XXXX XXXX account ( # XXXX ), which shows a balance of {$770.00} and a 30-day late payment reported as of XX/XX/XXXX, with the last activity date of XX/XX/XXXX ; this information is inconsistent with my account status as reported by XXXX, which shows the account in good standing, and despite my attempts to resolve this directly with both Experian and XXXX XXXX XXXX XXXX, the error remains unresolved, causing me financial stress and negatively impacting my creditworthiness, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), including Sections 611 ( 15 U.S.C. 1681i ) regarding dispute of inaccurate information, 623 ( a ) ( 2 ) regarding duty to correct and update, 623 ( b ) regarding the furnishers duty to investigate, and 15 U.S.C. 1666 and 1666a regarding correction of billing errors and creditor restrictions during disputes.

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 2025-12-22 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I made a purchase of {$53.00} on XX/XX/year> and returned the items on XX/XX/year>. I then made a payment of {$30.00} on my due date of XX/XX/year> from my bank account which is accessible to see on my account. The next purchase I made was on the date of XX/XX/year> for {$110.00}. I spoke to at least 4 customer service representatives, 1 manager and a social media representative on the following dates : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. A dispute was made and denied. Firstly, the dispute is not even addressing the correct issue, which is a partial refund dispute not a purchase dispute. There is no live representative in the Claims Department to speak with directly to correct the claim, which means the claim will have to be restarted. Another mistake on the end of the customer service representative not documenting correct information. The last resort was with the social media representative who advised that the {$30.00} credit was applied as an exchange for a {$30.00} purchase made, which I do not see on any of my account history. I asked for written correspondence with those details as I do not see that on my account. I was referred to my account again and to customer service. I have proof on my account, none which show a direct exchange. I also have proof of the Claims Department denying a purchase dispute not a partial refund dispute. I also have proof of the conversation from the social media representative referring me back to my account and Customer Service which I advised I already exhausted those avenues. I have been a loyal customer to XXXX XXXX for well over a decade and this has been the worst customer service to date. Constantly being pushed to customer service representatives over {$30.00} with no written proof of details is extremely unacceptable and frustrating. A {$30.00} store credit is the very least XXXX XXXX can do for several inconveniences over the last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
To Whom It May Concern : No third-party company is involved so please dont respond with a stall letter or a generic reply.

This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law.

I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing.

15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 
XXXX Accounts : XXXX. XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested and obtained my consumer file from XXXX, a Fair Credit Reporting Act ( FCRA ) regulated specialty consumer reporting agency. The initial disclosure contained numerous inaccuracies, unverifiable data, and internal conflicts, including invalid bank account information, inaccurate employment history, incorrect employer addresses, outdated phone numbers, and inquiry records attributed to internet/website activity without any associated account, tradeline, contract, or proof of consumer authorization. 

I timely submitted a written dispute requesting correction and deletion of inaccurate and unverifiable information, and requested a lawful reinvestigation under FCRA 611. I also requested a description of the procedures used to verify the disputed information and a post-investigation consumer report reflecting any changes. 

XXXX responded by asserting, without providing documentation or evidence, that the information was accurate, but failed to : Identify or produce any source documentation supporting the reported data Explain how website-based inquiries were verified as consumer-authorized Correct or delete demonstrably inaccurate personal, employment, and banking data Provide a proper post-investigation consumer disclosure as required by FCRA 611 ( a ) ( 6 ) Address inquiries that are unverifiable, outdated, or lacking permissible purpose DataXs response relied on conclusory statements rather than evidence and did not demonstrate a reasonable reinvestigation. The company also continues to maintain and disseminate disputed information while disclaiming responsibility for accuracy in its own terms, which conflicts with its statutory duties as a consumer reporting agency. 

As a result, inaccurate and unverifiable data remains in circulation, has been shared with third parties, and has appeared downstream in other consumer reporting systems. I have exhausted direct dispute efforts and am submitting this complaint due to XXXX failure to comply with the Fair Credit Reporting Acts accuracy, reinvestigation, and disclosure requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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 request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: RI

Complaint narrative:
Dispute of Late Payment Reporting - Account XXXX XXXX Account Number XXXX I am writing to formally dispute the reporting of a late payment on the above-referenced account. This dispute is made pursuant to the Truth in Lending Act, specifically 15 U.S. Code 1666b - Timing of Payments.

Under 15 U.S.C. 1666b ( a ), a creditor may not treat a payment as late if it is received by the creditor on or before the due date at the location designated by the creditor for receipt of payments.

My payment for the billing cycle in question was submitted in accordance with the terms provided by your company and was received on or before the due date.

Despite this, your company has reported the payment as late, which constitutes inaccurate reporting and a violation of federal law. Any adverse reporting based on this error is improper and must be corrected.

Accordingly, I request that you : 1. Conduct a reasonable investigation into this matter ; 2. Correct or remove the late payment notation from my account records ; and 3. Update all consumer reporting agencies to which you have furnished this inaccurate information.

Please provide written confirmation once the correction has been made. If you are unable to substantiate that the payment was late under 15 U.S.C. 1666b, continued reporting of this derogatory information may subject your company to liability under applicable federal law.

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief