vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account XXXX : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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:
Subject : Complaint Against XXXX XXXX XXXX Inaccurate Credit Reporting in Violation of FCRA, TILA, ECOA, and GLBA To Whom It May Concern : I am filing this complaint regarding a XXXX XXXX XXXX XXXX XXXX account that continues to be inaccurately reported on my credit reports, despite being paid in full and closed since XXXX. 

What Is Happening : The account shows as closed with a {$0.00} balance since XX/XX/XXXX, yet it is still marked as in dispute and is reporting a XXXX late payment across all three credit bureaus. 

There are discrepancies in key dates : Date Closed varies : XXXX  ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ) Date of Last Payment varies : XXXX  ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), missing from Experian Last Reported dates are inconsistent and outdated The status remains negative/in dispute, even though the debt was fully satisfied and closed. 

A late payment from XXXX remains on file, negatively impacting my credit profile despite the account being resolved. 

Legal Violations : FCRA Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 & 1681i ) : Information being reported is inaccurate, inconsistent, and unverifiable. 

Failure to correct or delete erroneous data after dispute constitutes non-compliance.

TILA Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) : The inaccurate and outdated reporting misrepresents the true terms, balance, and payoff status of the account, which may mislead future creditors and violate required standards of disclosure.

ECOA Equal Credit Opportunity Act : Erroneous negative data may result in unjust denials or unfavorable lending terms, directly impacting equal credit opportunity.

GLBA Gramm-Leach-Bliley Act : The continued publication of erroneous data demonstrates lack of data integrity and failure to safeguard the accuracy of sensitive consumer financial information.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There's no proof that I'm delinquent or derogatory, yet accounts on my credit report are reflecting that I am. This is affecting my credit score, my finances, giving me a negative reputation, and a more difficult time in my life. Equifax, TransUnion, and Experian has several accounts from XXXX XXXX which are claiming that I owe balances in the amounts of {$3400.00}, {$3800.00}, {$7300.00}, and {$4900.00}. If I owe a debt to the same collector, I should not have ( 4 ) or more separate amounts owed to that same collector. There are numerous reports from XXXX XXXX that need to be removed from my credit report. Equifax, Trans Union, and Experian has also reported a debt owed to XXXX XXXX which is a false report. I have never owed this company. There is not even an amount owed to this collector yet is shows as a negative on my credit report. I need it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
Subject : Complaint Against XXXX XXXX XXXX Inaccurate Credit Reporting in Violation of FCRA, TILA, ECOA, and GLBA To Whom It May Concern : I am filing this complaint regarding a XXXX XXXX XXXX auto loan account that continues to be inaccurately reported on my credit reports, despite being paid in full and closed since XXXX. 

What Is Happening : The account shows as closed with a {$0.00} balance since XX/XX/XXXX, yet it is still marked as in dispute and is reporting a 30-day late payment across all three credit bureaus. 

There are discrepancies in key dates : Date Closed varies : Equifax ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) Date of Last Payment varies : Equifax ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), missing from XXXX Last Reported dates are inconsistent and outdated The status remains negative/in dispute, even though the debt was fully satisfied and closed. 

A late payment from XXXX remains on file, negatively impacting my credit profile despite the account being resolved. 

Legal Violations : FCRA Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 & 1681i ) : Information being reported is inaccurate, inconsistent, and unverifiable.

Failure to correct or delete erroneous data after dispute constitutes non-compliance.

TILA Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) : The inaccurate and outdated reporting misrepresents the true terms, balance, and payoff status of the account, which may mislead future creditors and violate required standards of disclosure.

ECOA Equal Credit Opportunity Act : Erroneous negative data may result in unjust denials or unfavorable lending terms, directly impacting equal credit opportunity. 

GLBA Gramm-Leach-Bliley Act : The continued publication of erroneous data demonstrates lack of data integrity and failure to safeguard the accuracy of sensitive consumer financial information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: NC

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
Im writing to formally file a complaint regarding an unprofessional interaction I experienced during a recent call with a Bridgecrest representative, as well as the confusing and inconsistent information Ive received regarding the ownership and handling of my account. 

During my call, the representative made inappropriate personal remarks about their own credit issues, including a comment that they had been in a similar situation and didnt worry about the charges. This was extremely unprofessional and dismissive, especially in the context of a serious financial matter. The tone of the call was condescending, and it left me feeling disrespected as a customer attempting to resolve an issue in good faith. 

Additionally, Ive been given conflicting information regarding the status and ownership of my account. I was told by XXXX XXXX XXXX that they are handling collection efforts on behalf of Bridgecrest. However, Bridgecrest is still reporting the account with a balance to the credit bureaus, and neither party is able or willing to provide clarity on who officially owns the debt. This has made it very difficult to determine who has the authority to negotiate resolution or deletion of the tradeline, and what any payment would actually accomplish. 

I am requesting that this call be reviewed ( if recorded ), that appropriate corrective action be taken with the representative, and that I receive a written explanation clarifying the current ownership and reporting status of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-06-10 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: Credit Systems International, Inc.
State: NJ

Complaint narrative:
My personal information was compromised due to a data breach. My engagement number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: GA

Complaint narrative:
I was in an no fault accident but its showing up that the accident was my fault and my insurance has went up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that appear on my EQUIFAX credit report. These inquiries were not initiated by me, are not connected to any open or authorized accounts, and were made without my explicit written consent in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( Section 604 ). 
The following hard inquiries are fraudulent and must be deleted immediately : XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , blocXXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm contacting you regarding a credit inquiry that was made without my permission. I want to be absolutely clear : I never gave this companynor anyone acting on their behalfany authorization to access or pull my credit report. 

This was done without my knowledge or consent, and as such, it qualifies as an unauthorized and fraudulent inquiry under the Fair Credit Reporting Act ( FCRA ). I did not apply for credit, services, or any financial product from this company, and I have no existing relationship with them that would justify this kind of access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to request validation of the alleged debt you claim I owe, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I received a communication from your company regarding this matter and would like to exercise my right to request full validation. 

Please provide the following information : The amount of the alleged debt, including an itemized breakdown of fees and interest ; The name of the original creditor ; A copy of the original agreement or contract bearing my signature ; Proof that Jefferson Capital Systems is legally authorized to collect this debt in my state ; The date of the alleged debt and the date of last activity on the account ; Proof that the debt is within the statute of limitations. 
Until this information is provided, please cease all collection efforts and stop reporting this item to any credit bureaus. If the debt has already been reported, please mark it as disputed on all applicable credit reports. 

This letter is not an admission of liability for the alleged debt and is not a refusal to pay. I am simply requesting proper documentation to verify the validity of this claim. 

Please respond to this request within 30 days of receipt, as required by federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In a XXXX group about used products ( like FB XXXX ), the merchant added me after I asked if someone is selling a XXXX XXXX XXXX. She told me that she is selling an open box XXXX XXXX XXXX XXXX XXXX in silver for XXXX dollars, and she will provide the tracking number after I pay for XXXX dollars as deposit. The description of the device in words and photos was clear, so I paid the deposit. But she refused to provide me the tracking number ( sent me a partially mosaic fake number ) after that saying that I will pay the another XXXX dollars to get the full tracking number. I realized that this is a scam and reported it to the XXXX police, as I am a graduate student in XXXX. The policewoman said that this is a scam, and the police report number is XXXX. I also reported her account to XXXX and her account is frozen for scamming, which again proved that she is a scammer. When I reported it to Bank of America, however, they told me that they would investigate it and try to refund me, but today I was notified that the refund was denied because I authorized the transfer. The fraudulent merchant misrepresented the transaction and tricked me into making the payment, and its a scam as the police recognized, so I should be refunded.

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 2025-06-10 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have neither authorized this inquiry nor engaged in any discussions with the lender on that date.

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 2025-06-10 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: GA

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! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Ive told my bank that there were some fraud claims on the account that I didnt authorize. No investigation was but I was told my account doesnt have any errors or that it was a thorough investigation. I asked for proof of investigation and have yet to receive anything

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
XXXX XXXX XXXX with the continued presence of false, damaging information on my TransUnion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. 

As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If TransUnion can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-06-10 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:
FCRA Violation XXXX XXXX not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-10 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:
FCRA Violation XXXX XXXX not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief