vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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 disputing the following accounts with Experian as they seem to contain incorrect information. I kindly request a full investigation and prompt correction. 

Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$9200.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$310.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1100.00} XXXX XXXX XXXX, XX/XX/XXXX, {$6600.00} XXXX, XXXX, XX/XX/XXXX, {$2000.00} XXXX, XXXX, XX/XX/XXXX, {$1900.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$960.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$960.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$590.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$100.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

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

Company 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 2025-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Bridgecrest Acceptance Corporation
State: UT

Complaint narrative:
On XX/XX/year> I submitted a payment of {$660.00} to bring my account down to 60 days past due. On XX/XX/year> my bank shows that {$660.00} was withdrawn and then shows a returned electronical withdrawal on XX/XX/year>. This caused my account to be past due over and triggered a repossesion. On XX/XX/year> the car was repossesed. A payment attempt was made on XX/XX/XXXX with a total amount of {$660.00} to bring account back up to date, but was unsuccesful. I have a emailed statement from the bank showing the charges withdrawn and returned showing account was not negative. Seems like Bridgecrest declined the charges to reposses the car.

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 2025-11-12 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: TX

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 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - 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 2025-11-12 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: MI

Complaint narrative:
I am writing to dispute and request the removal ( blocking ) of specific items on my credit report that are results of identity theft, pursuant to SECTION 605B of the FAIR CREDIT REPORTING ACT ( 15 U. S. C. SECTION 1681C-2 ).

I have been a victim of identity theft and have filed an identity theft report with local law enforcement agency. I did not open, authorize or have any knowledge of the following accounts or inquires that appear on my credit report : XXXX. XXXX XXXX XXXX XXXX  XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX, Acct # XXXX, Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # * XXXX XXXX XXXX  XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX, Acct # XXXX XXXX XXXX. XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX, Acct # * XXXX XXXX. XXXX  XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX, Acct # * XXXX XXXX. XXXX  XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # * XXXX XXXX. XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX, Acct # XXXX, Acct # * XXXX XXXX. XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX, Acct # XXXX, Acct # XXXX XXXX XXXX  XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX, Acct # XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, SC XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX, Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX, XXXX XXXX XXXX, XXXX, CA XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX, Inquiry Date : XX/XX/XXXX. 
I am requesting thatthese accounts and any related information be BLOCKED AND REMOVED from my credit file, as required by FCRA 605b. 
Attached are copies of the following supporting documents : My government issued photo ID, Proof of address, police report number, and identity theft affidavit. 
Please send me written confirmation once these items have been blocked or removed, or if any additional information is needed to complete this request. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Mi XXXX XXXX : XX/XX/XXXX Social security Number : XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I asked both bureaus to provide what XXXX XXXX sent them to prove a valid charge-off : complete account/payment ledger ; billing statements leading into charge-off ; default/acceleration notices ; charge-off calculation ; and any UCC/deficiency docs. After more than six months, Ive received no documentsjust restated reports and automated messages ( including TUs third party note ). That is not a reasonable investigation under FCRA 611 or 623 ( b ). First Tech auto account is reported only to Equifax and TransUnion as a charge-off with inconsistent supporting fields, removed from XXXX ( Discrepancies : Past Due balances differ by bureau ; dates/activity dont line up ), which violates Metro 2 internal-consistency requirements for Payment Status, Past Due, High Credit/Credit Limit, Date Last Active , Date of Last Payment, and Last Reported. These conflicts affect how severity/recency are scored and demonstrate a lack of maximum possible 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 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
Chase XXXX credit card ending in XXXX. 

Annual Membership fee had been {$69.00} and was last charged XX/XX/2025. 

Last week I received notification that the membership fee was increasing to {$99.00} and if I did not agree to the rate increase, I was to contact them by the end of this month at which point my account would be closed. 

I contacted Chase last week and they closed my account. 

I feel I am due a pro-rated refund of the Annual Fee portion I was unable to use given the closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
I am writing to file a formal dispute regarding certain items on my credit report. After reviewing my credit files, I believe that the following accounts contain errors and discrepancies that need to be corrected. Below, I have separated the items by credit bureau for clarity. 

Equifax ( EQ ) : I have identified errors in my Equifax credit report. The items listed below are inaccurately reported, and I am requesting their investigation and correction. 

Inquiries XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
XXXX XXXX with the ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX has furnished data showing a charge-off status on my credit report but did not include the complete payment record for this account. Reporting only the negative information without full account history violates the standard of maximum possible accuracy. 
The Fair Credit Reporting Act ( FCRA ) requires : 602 consumer reporting must be fair, accurate, and complete ; 607 ( b ) credit bureaus must maintain reasonable procedures to assure accuracy ; 623 ( a ) ( 2 ) furnishers must correct or stop reporting data that is incomplete or inaccurate. 
This reporting omits crucial information and therefore fails to meet these obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

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

Company 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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Transunion XXXX XXXX XXXXXXXX, XXXX. XXXX Re : Unauthorized Inquiry on my Credit Report Dear Sir/Madam , I am writing to dispute an unauthorized inquiry that appears on my credit report. Upon reviewing my credit file, I discovered that [ XXXX XXXX XXXX XXXX XXXX XXXX ] conducted a credit inquiry on [ XXXX XXXX XXXX XXXX XXXX XXXX. 

I want to clarify that I did not authorize this inquiry, and I have no affiliation with XXXX XXXX XXXX XXXX XXXX 

This inquiry was made without my knowledge or consent, and as such, I request that it be promptly removed from my credit report. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate this matter and remove the unauthorized inquiry from my credit report at your earliest convenience. Additionally, I kindly request that you provide me with an updated copy of my credit report once the inquiry has been successfully removed. 

Thank you for your attention to this matter. 

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 2025-11-12 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am writing to formally dispute an error on my credit report regarding my payment history. Your records indicate that I was 30 days late on my XXXX payment of {$130.00} and subsequently 60 days late for XXXX and XXXX. This information is incorrect. 

I made my {$130.00} payment for XXXX on time. While I acknowledge that my XXXX payment has not yet been made, the XXXX payment due date has not yet arrived. Therefore, it is inaccurate to report that I am 60 days late for XXXX and XXXX. 

I respectfully request that you investigate this matter and promptly remove the incorrect late payment reporting from my credit file. False or inaccurate credit reporting is a serious issue, and if this error is not corrected, I will be forced to pursue further action against American Express and the credit bureaus for inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: IL

Complaint narrative:
I am writing to formally dispute the following accounts on my credit report that I believe contain inaccuracies. These items do not accurately reflect my credit history, and I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX is reporting only to TransUnion, not XXXX XXXX XXXX TransUnion shows this tradeline while the others do not, and it references canceled by credit grantor and a two-year history. If TransUnion is publishing late-payment codes, those must be supported by bank-posted payment evidence from XXXX XXXX a restated tradeline. The one-bureau-only reporting and missing cross-bureau alignment signal a Metro 2 inconsistency that impacts utilization/history 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