vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$32000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Had a auto loan charge off co-signed with my dad who is also named XXXX XXXX he paid the remaining balance but its still showing on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Texas Guaranteed
State: NY

Complaint narrative:
My loan has been handled by at least three different companies. The balance was {$25000.00} in XXXX  and is now {$34000.00} and I can't understand why. The most recent firms to handle my loan are XXXX, XXXX and XXXX. It is XXXX that somehow mysteriously jacked up the balance due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
To whom it may concern, I am writing to formally complain about Ally Bank 's transfer system, which failed to transfer money from my brokerage account to my checking account as requested. This issue has caused significant inconvenience and has not been resolved despite my attempts to seek assistance. I request urgent attention to this matter and a prompt resolution. 

Sincerely, 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 2025-08-17 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1800.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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.

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 2025-08-17 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: CA

Complaint narrative:
According to XXXX XXXX XXXX & XXXX XXXX " Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experian XXXX inaction violates federal law and my rights as a consumer. ''

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 2025-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] [ XX/XX/XXXX ] To : Bridgecrest Acceptance Corporation [ XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] XXXX, XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX ] Subject : Demand for Proof of Assignment or Immediate Refund Down Payment & Wrongful Repossession Dear Sir or Madam, On XX/XX/XXXX, I purchased a XXXX XXXX XXXX  XXXX from XXXX and paid a down payment of {$6100.00}, as documented in the Retail Purchase Agreement. 

Recently, Bridgecrest repossessed my vehicle and has continued to report a loan obligation to the credit bureaus. However, despite multiple requests through the Consumer Financial Protection Bureau and directly, neither Bridgecrest nor XXXX has produced any signed Retail Installment Contract, lien assignment, or other legally binding agreement naming Bridgecrest as the lender or assignee on my account. 

This raises two major issues : 1. Unlawful Repossession If no valid assignment exists, Bridgecrest had no legal authority to repossess my vehicle or to report my account to the credit bureaus. 
2. Down Payment Misapplication I paid XXXX {$6100.00} as a down payment, which should have reduced any legitimate loan balance. Since Bridgecrest can not establish legal ownership of my loan, I am demanding a full accounting of how my down payment was applied and an immediate refund of any amount unlawfully retained. 

Demand I hereby demand that within 15 days of receipt of this letter, you provide : 1. A complete copy of any signed Retail Installment Contract or official assignment of lien proving Bridgecrests legal standing ; OR 2. Immediate refund of my {$6100.00} down payment, plus an accounting of how the repossession was handled. 

Failure to respond with valid proof or issue a refund will leave me no choice but to pursue all remedies available, including : Filing further complaints with the Consumer Financial Protection Bureau, the Florida Attorney General, and the Federal Trade Commission ; Initiating legal action for wrongful repossession, conversion, and violation of federal consumer protection laws ; Seeking damages, attorneys fees, and all other available relief. 

This is a good faith demand to resolve this matter without further escalation. Please govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: ADP Inc.
State: VA

Complaint narrative:
XXXX XXXX connect with my bank account ask refund all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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:
Credit Bureau & CFPB Investigation Request XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX XX/XX/year> To : [ Experian / Equifax XXXX TransUnion ] & Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Demand for Investigation and Verification of Disputed Account FCRA 609, 611, 623 and FDCPA 809 Re : XXXX XXXX XXXX Account # [ XXXX ] Balance {$8400.00} Also go by Computer check verification Dear [ Experian / Equifax XXXX TransUnion CFPB Investigator ], I am formally requesting an escalated reinvestigation into the above-referenced account, which continues to appear on my credit report despite my previous disputes. This account does not belong to me. I have never opened, authorized, or signed any agreement with XXXX XXXX XXXX, and no valid evidence has been provided to establish otherwise. 

Background : - I disputed this account with all three credit bureaus. 
- Each bureau responded that the account was verified without providing any actual documentation. 
- I have also filed a CFPB complaint previously, but the furnishers verification did not include proof of my liability. 
This failure to provide proper verification is a direct violation of : - FCRA 611 ( a ) ( 1 ) ( A ) requiring a reasonable reinvestigation.

- FCRA 611 ( a ) ( 7 ) requiring disclosure of the method of verification.

- FCRA 623 ( b ) requiring furnishers to investigate disputes and delete unverifiable information.

- FDCPA 809 ( b ) requiring debt collectors to provide validation of the debt upon request.

My Demand : I am requesting full documentation that proves this account is mine, specifically : 1. A copy of the original signed contract or agreement bearing my signature.

2. Documentation showing the chain of ownership of the debt from the original creditor to the current furnisher.

3. A complete account history showing how the alleged balance of {$8400.00} was calculated.

4. The name, phone number, and mailing address of the person you contacted at XXXX XXXX XXXX during your verification process. 

If you can not provide this evidence within 30 days, you are required under federal law to delete this account from my credit file and confirm the deletion in writing. 

Notice of Intent to Pursue Legal Remedies : If this matter is not resolved promptly, I will : - File formal complaints with my State Attorney Generals Office and the Federal Trade Commission ( FTC ). 
- Retain a consumer rights attorney to pursue all remedies available under the FCRA and FDCPA, including statutory damages, attorney fees, and costs. 

This is my final attempt to resolve this matter amicably. Please treat this as a formal dispute and method of verification request under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: IL

Complaint narrative:
Credit Bureau & CFPB Investigation Request XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX XX/XX/year> To : [ Experian / Equifax XXXX TransUnion ] & Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Demand for Investigation and Verification of Disputed Account FCRA 609, 611, 623 and FDCPA 809 Re : XXXX XXXX XXXX Account # [ XXXX ] Balance {$8400.00} Also go by Computer check verification Dear [ Experian / Equifax XXXX TransUnion CFPB Investigator ], I am formally requesting an escalated reinvestigation into the above-referenced account, which continues to appear on my credit report despite my previous disputes. This account does not belong to me. I have never opened, authorized, or signed any agreement with XXXX XXXX XXXX, and no valid evidence has been provided to establish otherwise. 

Background : - I disputed this account with all three credit bureaus. 
- Each bureau responded that the account was verified without providing any actual documentation. 
- I have also filed a CFPB complaint previously, but the furnishers verification did not include proof of my liability. 
This failure to provide proper verification is a direct violation of : - FCRA 611 ( a ) ( 1 ) ( A ) requiring a reasonable reinvestigation.

- FCRA 611 ( a ) ( 7 ) requiring disclosure of the method of verification.

- FCRA 623 ( b ) requiring furnishers to investigate disputes and delete unverifiable information.

- FDCPA 809 ( b ) requiring debt collectors to provide validation of the debt upon request.

My Demand : I am requesting full documentation that proves this account is mine, specifically : 1. A copy of the original signed contract or agreement bearing my signature.

2. Documentation showing the chain of ownership of the debt from the original creditor to the current furnisher.

3. A complete account history showing how the alleged balance of {$8400.00} was calculated.

4. The name, phone number, and mailing address of the person you contacted at XXXX XXXX XXXX during your verification process. 

If you can not provide this evidence within 30 days, you are required under federal law to delete this account from my credit file and confirm the deletion in writing. 

Notice of Intent to Pursue Legal Remedies : If this matter is not resolved promptly, I will : - File formal complaints with my State Attorney Generals Office and the Federal Trade Commission ( FTC ). 
- Retain a consumer rights attorney to pursue all remedies available under the FCRA and FDCPA, including statutory damages, attorney fees, and costs. 

This is my final attempt to resolve this matter amicably. Please treat this as a formal dispute and method of verification request under federal law. 

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 2025-08-18 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>2025 XXXX XX/XX/year>2025 XXXX XXXX XXXX  XX/XX/year>2025 XXXX XXXX/XXXX/2025

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 2025-08-17 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: HI

Complaint narrative:
PLEASE SEND CONSENT LETTERS THAT I GAVE EXPERIAN TRANSUNION EQUIFAX CONSENT TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORTS TO

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: HI

Complaint narrative:
PLEASE SEND CONSENT LETTERS THAT I GAVE EXPERIAN TRANSUNION EQUIFAX CONSENT TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORTS TO

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 2025-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MS

Complaint narrative:
I have made payments towards my loans for months. With each payment, I received a " Payment Success '' pop-up and a " Payment Confirmation '' email from my loan servicer. I have watched these payments ' statuses go from " Pending '', to " Processing '', to " Received ''. After saying that they received my payment, each payment is reversed with no notification of payment reversal. I have reached out to the loan servicer several times and followed their unhelpful instructions only to come to no resolve. There is no reason why these payments should be getting reversed and not taken out of my bank account. Even though they will not take my payments, they continue to charge me interest and negatively affect my credit score.

Company response to consumer: Closed with explanation