vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: SC

Complaint narrative:
Credit Report Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX Experian Legal Department XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Equifax Information Services LLC XXXX XXXX XXXX, XXXX, XXXX  XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Credit Reporting Agencies , I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : - Conducting inadequate investigations that fail to address consumer disputes properly. 
- Reinstating previously disputed and inaccurate information without explanation. 
- Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Credit Report Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX Experian Legal Department XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Equifax Information Services LLC XXXX XXXX XXXX, XXXX, XXXX  XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Credit Reporting Agencies , I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : - Conducting inadequate investigations that fail to address consumer disputes properly. 
- Reinstating previously disputed and inaccurate information without explanation. 
- Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-04-14 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: FL

Complaint narrative:
My identity has been stolen, and I am seeking your help AGAIN to swiftly remove these fraudulent items. I kindly request that you delete this specific item as soon as possible and ensure that all other incorrect details are promptly updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
I am filing this complaint to report violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX regarding an alleged debt. 

Specifically, XXXX XXXX placed a collection account on my credit report for an alleged debt without properly validating the debt, despite my formal request for verification. In accordance with 15 U.S.C. 1692g ( b ) of the FDCPA : " If the consumer notifies the debt collector in writing within the thirty-day period ... that the debt, or any portion thereof, is disputed, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt ... and a copy of such verification is mailed to the consumer. '' I mailed a formal written request for debt validation to XXXX XXXX via XXXX Certified Mail. However, the mail was returned by the United States Postal Service as undeliverable ( " No Known Address '' ), proving that XXXX XXXX failed to maintain a legitimate means of communication with consumers and never validated the debt as required by law. 

Despite their failure to validate, XXXX XXXX continued to report the alleged debt to the credit bureaus, in direct violation of 15 U.S.C. 1692g ( b ) and the FCRA.

Furthermore, after being removed, the same debt was resold to another collection company and reinserted into my credit report with a new date, violating 15 U.S.C. 1681c ( a ) ( 4 ), which mandates that the original date of first delinquency must be preserved and that re-aging a debt is illegal. 

I am requesting that the Consumer Financial Protection Bureau investigate these violations immediately and take appropriate enforcement action to ensure that : XXXX XXXX ceases all collection activity on this unverifiable debt. 

The debt is permanently removed from all credit reports. 

Appropriate penalties are applied for violations of the FDCPA and FCRA. 

Attached to this complaint are supporting documents, including a copy of the XXXX returned mail notice, the disputed credit report entry, and copies of my original validation request. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted experian several times by phone to try and gain access to my account they did not help me regain access. I submitted all of my information via fax and still have no access. I have mailed disputes to not only experian, but also equifax, and transunion and have still not received a reply on my 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 non-monetary relief
Consumer complaint received 2025-04-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted experian several times by phone to try and gain access to my account they did not help me regain access. I submitted all of my information via fax and still have no access. I have mailed disputes to not only experian, but also equifax, and transunion and have still not received a reply on my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I submitted lawful affidavits to this company demanding the removal of all unauthorized information, a permanent freeze on my account and data, and a full revocation of any presumed consent to collect, store, or report my personal information.

I am the Secured Party Creditor over the private estate associated with this account. This company has no verified contract, no valid consent, and no lawful authority to access or use my data under 15 U.S.C. 1681b, the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), and applicable trust law.

I have demanded proof of authority or contract, which has not been provided. I am now escalating to the CFPB for enforcement and resolution. Affidavits documenting my demands are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Hello, I had an auto loan for which I setup auto-payment to pay the monthly loan amount. It all worked well for about 4 years until the last payment which was not automatically withdrawn from my account as it had occurred for years. The company didnt send a notice indicating the last payment couldnt be made with autopay. I noticed my payment was late until I received a delinquency letter. I immediately made the payment, not my credit report was greatly impacted after Hyundai Financial reported it as a late payment. That is not a reflection of my credit worthiness and ability to pay. In fact, I had made extra payments earlier in the life of the loan and made the last payment ahead of the maturity date of the loan.

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 2025-04-14 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: NY

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay.

If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian and XXXX credit reporting agencies, block and remove 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. It has been confirmed by Experian that my personal information was compromised in a data breach. I am a victim of identity theft and did not open or authorize any of the following accounts : XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance : {$1000.00} Collection XXXX XXXX Credit Card Acct # XXXX Opened XX/XX/XXXX Balance : {$930.00} Charge-Off XXXX XXXX  Credit Card Acct # XXXX Opened XX/XX/XXXX Balance : {$3300.00} Charge-Off XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance : {$760.00} Collection XXXX XXXX XXXX Acct XXXX XXXX Opened XX/XX/XXXX Balance : {$180.00} Charge Account XXXX XXXX Credit Card Acct # XXXX Opened XX/XX/XXXX Balance : {$310.00} Charge-Off XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance : {$400.00} These fraudulent accounts have resulted in several charge-offs and collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts, collections, or charge-offs as reported. The aforementioned accounts, collections, and charge-offs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Reports # 's XXXX and XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have also attached a copy of my Driver 's License for identification purposes.

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 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have had a Chase account since 2010. I have moved a number of times. Recently, when I try to use my debit card online, sometimes it fails. I finally figured out that when the card is being processed as a DEBIT, then my correct XXXX primary street address works. However, when the website tries to process it as a CREDIT, my correct XXXX address does not come up. This is what came up with my investigation : 1. I had some Chase " pay-in-four '' transactions which evidently are considered a credit card by Chase. SEE ATTACHED.

2. The pay-in-fours were done at when I lived at a home over two years ago, and it used a XXXX post office address XXXX I NEVER HAD A CHASE MAILING COME TO THE UPSP BOX. That was a " junk mail '' address. 
3. XXXX from the XXXX offices says the pay-in-four has nothing to do with a credit card. 
4. The attached download from the Chase app contradicts that.

5. NOW, in the last two weeks CHASE CHANGE MY ADDRESS FOR THE " CREDIT '' TRANSACTIONS TO A NEW JUNK MAIL ADDRESS -- A XXXX STORE MAILBOX!! 
6. Multiple transactions have failed, I have no control, this is ripe for fraud. I tried three different addresses today? Is it my primary? The XXXX old one? NO, it is the ridiculous XXXX XXXX!! CHASE NEEDS TO FIX THE PROCESS. 
7. I can do nothing online as the attached indicates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Company Name : Bridgecrest Product : Auto Loan Issue : Improper information on credit report Summary of Issue : I am filing a formal complaint against Bridgecrest for continuing to report an outdated, negative auto loan ( Account # XXXX ) to the credit bureaus. The account was opened on XX/XX/XXXX, and under the Fair Credit Reporting Act ( FCRA ), negative items must be removed after 7 years from the original delinquency date. 
As of XX/XX/XXXX, this account has exceeded the 7-year limit and should have been removed. I disputed this item with XXXX, XXXX, and XXXX in both XXXX and XX/XX/XXXX, but it still remains. This is a direct violation of FCRA Section 605 ( a ). 
This inaccurate information has caused me to be denied for housing, suffer higher interest rates, and endure emotional distress. 
I am demanding immediate removal of the account from all credit bureaus and reserve the right to pursue legal action for statutory and actual damages under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
the mortage company keeps mis handling my payments causing me to have to constantly call in and have it corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
Portifolio Recovery Associates, LLC out of XXXX, Mississippi used manipulative tactics to get a judgement against me for credit card debt of {$2600.00}. They filed two separate court orders for the same debt. The one filed in XXXX of 2023, was answered for a complete validation of the debt and no response was received from the said company, nor did a get a court date to hear plead my case. They then submitted another court order in XXXX of 2023 for the same debt. The second court summons was delivered improperly to a minor child in my household and I never received it. I did not receive any further notification of court dates nor did I hear anything else regarding this matter so I thought that it was closed. The debt was written off by the credit card company during the Covid pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
We leased a new XXXX XXXX that was financed with Ford Motor Credit. We made every payment on time throughout the lease. Several months prior to the end of the lease, we began experiencing computer issues with the cameras and took it in for service. We were never told that there were issues prior to experiencing them firsthand which could have easily led to an accident as we became familiar and dependent on the cameras to alert us when another vehicle was on our side when changing lanes. We drove with this issue afterwards but became increasingly uncomfortable and were paying for a premium vehicle 's options that were not operational. We made an appointment at XXXX XXXX in XXXX, PA to discuss turning in our current vehicle to get a new XXXX XXXX, but we were informed that they were on " stop sale '' and they could not lease us a new XXXX XXXX due to the same issue I had in my previous car and they had no idea when the issue would be resolved. We were so uncomfortable with the issues we were having with the cameras as well as the vehicle surging backward when in reverse, that we decided to for-go dealing with XXXX and purchased another brand of car. We turned in our vehicle to XXXX under the maximum mileage allowed on our lease along with XXXX XXXX  floor mats and the vehicle in excellent physical condition. We received a bill from XXXX for {$510.00} because we did not lease a new XXXX from them after turning in our old one. I wrote to Ford Motor Credit on XX/XX/year> and explained to them XXXXhat we were not able to get our previous vehicle fixed and the new ones were on stop sale making it impossible to lease a new one. I explained we had made every payment on time during our lease and had been returning customers of XXXX prior. I sent a check for {$81.00} for the Wear and Use charge and tax on disposition fee along with the letter. They refused to exempt us from the remaining Lease Disposition Fee. I disputed it with the credit agency and shortly thereafter, they turned it over to collections. This has caused my credit standing to drop over XXXX points which is extremely distressing over a situation they caused and held me accountable for. I would ask that you assist in getting them to remove this issue from my credit report if possible.

Company response to consumer: Closed with monetary relief