vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I am writing to formally dispute the reporting of my account as closed, as I believe there has been an error regarding the status of my account with Bridgecrest. 



Despite the report indicating that my account is closed, I have confirmed that it remains open and active. This discrepancy is concerning, as it may negatively impact my credit report and financial standing. 

I kindly request that you investigate this matter and provide me with written confirmation of the correct status of my account. Additionally, please ensure that any erroneous information is corrected with the credit bureaus to prevent any further issues. 

I appreciate your prompt attention to this matter and look forward to your response,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
I am rewriting to EQUIFAX to formally redispute the accuracy of certain information in my credit report, which I obtained. Pursuant to 15 USC 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I demand an immediate, thorough, and good-faith investigation. I know that EQUIFAX fined Equifax {$15.00} XXXX for failing to address credit report errors and not conducting adequate investigations in response to consumer disputes.. Given these serious violations, I expect my dispute to be handled in full compliance with the FCRA, including : 1.A complete and reasonable investigation within the 30-day period, as mandated by law. 2.A detailed explanation of your findings and the actions taken to correct any errors.

3.The provision of a free updated credit report reflecting the corrections made. I have enclosed supporting documentation to substantiate my claim, which should assist in your investigation. Failure to properly investigate and correct these errors will leave me no choice but to escalate my complaint to regulatory authorities, and my state attorney generals office, and to seek legal remedies for damages caused by your agencys failure to comply with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: HI

Complaint narrative:
I am filing this complaint against Equifax for persistently reporting an inaccurate and unverifiable XXXX XXXX account ( Account # XXXX ) on my credit file and for continuing to report an outdated address as my primary address, despite my most recent letters specifically requesting it be updated to my current Hawaii address ( XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX ). This derogatory installment loan, loaded with errors, continues to ruin my credit despite my extensive challenges. 
I started disputing this account on XX/XX/XXXX, with electronic disputes to XXXX, and sent additional disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also submitted disputes to Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and sent over 10 letters to XXXX XXXX starting XX/XX/XXXX ( attached ). XXXX  deleted this account, as confirmed by report file ID XXXX generated on XX/XX/XXXX, because it was unverifiable, yet Equifax keeps reporting it, violating the Fair Credit Reporting Act ( FCRA ), Section 611. I demanded deletion and address correction in my most recent letter on XX/XX/XXXX, but no resolution has been achieved. 
This has severely impacted my credit and financial prospects. I demand Equifax investigate immediately and delete this account and the outdated address. If they refuse, I will escalate to the FTC and take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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 explanation
Consumer complaint received 2025-06-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Subject : Incorrect XXXX Late Mark on Credit Report Due to Fraudulent Charge Complaint : I am submitting this complaint regarding an inaccurate XXXX late payment mark reported by Bank of America on my credit report. This negative mark is related to a charge that was fraudulent, and I have taken all appropriate steps to dispute and resolve it, yet the derogatory mark remains. 

In XXXX, XXXX, I discovered a fraudulent charge on my credit card account ending in XXXX. I immediately reported the charge to Bank of America, who confirmed it was unauthorized and began their investigation. Despite this, my account was marked as XXXX  days late, even though the non-payment was entirely due to the pending fraud claim. 

I have provided Bank of American with documentation regarding the fraud and the dispute, and I have made multiple requests to have the late payment mark removed. Unfortunately, they have refused to remove the late mark, which is negatively affecting my credit score through no fault of my own.

This reporting is both unfair and inaccurate under the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB investigate this matter and compel Bank of America to remove the XXXX late payment entry associated with the fraudulent transaction. 

Key Details : Issuer : Bank of American Account ending in : XXXX Date of fraudulent charge : XX/XX/year> Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-11 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: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NE

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX 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 4 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 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 Address : XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
They are ILLEGALLY RE AGING AND REOPENING THUS FILE ON MY CREDIT PROFILE THIS IS THE 3 rd time Ive had to deal with them sneaking it back on to my credit very inappropriate very unprofessional corporate thugs

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dispute was resolved and refunded by company due to faulty XXXX XXXX XXXX  and merchant never responded. Corporate policy states that if merchant doesnt respond in 60 days it is credited back to account. Capital One then took away said credit without explanation and gave vague and false and illegal explanation that they were waiting to hear back from me but the truth was they werent waiting to hear back as past documents/letters stated they had received all details necessary and were waiting to hear back from the merchant who never responded and they only addressed the XXXX and XXXX charges but then did the XXXX and XXXX without following due process and sending out letters for those charges thus capital one is fraudulently charging the account by reinstating these purchases and this debt will be disputed all the way to the highest court in the united states if they do not resolve. The only exception is that XXXX from XXXX but the gift cards were faulty but will still be disputed which they said the merchant responded to and provided proof of it. Attached are all documents/letters sent by capital one and are kept as paper copies personally by me as legal evidence in the event they try to send collections or something or the need for a lawsuit arises. Call me from corporate or ceo at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: MO

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 4 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

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 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
XXXX - account closed XXXX XXXX balance has increased and car is no longer drivable and has been given back years, why is it increase and where is the paper work of payment i can request prove of payment XXXX XXXX XXXX XXXX XXXX syncb/carecr 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Per fed student aid I was informed that under XXXX  XXXX my account was placed on an administrative forbearance to no request of my own in XXXX. XXXX my new loan servicers new system inadvertently place my account out of forbearance. They have since returned my account to forbearance but the impact to my account still stands. Under the FCRA, it's illegal to report the same debt multiple times where I am penalized multiple times for the same debt and it inflates my debt-to-income ratio. Marked as 120+ late remarks stacked than legally allowed.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
It has been almost 2 months from XXXX XXXX, since my accounts were locked for investigation. On XX/XX/XXXX, I was informed through phone call that Capital one was ending the banking relationship and closing my accounts. However, today on XX/XX/XXXX, I still can't get any information on when my funds remaining on the accounts can be released. 

Now thanks to CFPB, I finally have a offical letter from Capital one saying that it made the decision to suspend and close my accounts on XX/XX/XXXX, but still no dates for the check. Once the accounts are closed, the check needs to be sent out immediately. It just doesn't make sense to me, how could Capital one has the right to hold my funds for so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX while my family and I were driving to a camping trip our vehicle broke down on the side of the road in between XXXX California and XXXX XXXX California. The following day XX/XX/XXXX we explore the option of having the vehicle towed back to our hometown to have it fixed. The cost would have been over {$1000.00} and I currently owe {$4700.00} on the vehicle. The transmission had gone out and we would have had to pay more repairing the vehicle than what the car was worth. After exploring different options and coming to the conclusion that I would have to just claim a total loss, I then reached out to one main financial and explain to them that I had no choice but to voluntarily surrender the car due to my financial hardship. They stated in order to surrender the car I would need to have the vehicle towed to the nearest branch. I explained to them that I could not afford to have the car towed anywhere the car is currently in XXXX California and the closest branch is XXXX miles away. The cost would be again over {$1000.00}. I sent a formal written statement of surrendering the car with the cars current location explaining to one main financial that I can not afford to have the car towed to the nearest branch via email which I found on the website. I had called customer service requesting for the correct email to ensure that the written statement would go to the proper department. They did not provide me with an email they gave me the number to my local branch and stated I would need to speak with them when I called my local branch they stated I needed to go back and call customer service. When I called customer service again, they stated that I would need to have the car towed to the nearest branch and that was the only way to surrender the car. I continuously explain to them my financial hardship and asked for an email where I could send my written statement I did not receive one. I have done everything in good faith to handle the situation as responsible as I possibly could. I have tried to be very cooperative towards the situation but feel like I am not getting the support from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
charge back from XXXX due to poor service atg the hotel they bank have told me cos i did not cancle within the correct time for the hotel i cant do any think which is not correct as i did not check in till after XXXX to a used room the staff/owner made me feel real unsafe with how he was i slept in chair for a few hours before leaving due to the way the room was and the front desk person who was not there when i went back to make a complaint i was spoken to rudely by staff XXXX at catpital one who refused to help me at all i hav XXXX  and needed help and was refused that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation