vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
On or around XX/XX/2025, an account was opened with a company called XXXX Indigo and reported to the credit bureaus with a balance of {$1000.00}. I did not open or authorize this account, and I have no knowledge of the company or any interaction with them. 

I discovered this account while reviewing my credit report. I have already filed an FTC Identity Theft Report and gathered proper documentation to dispute this as identity theft.

Im requesting that this account be fully investigated and removed from my credit file under 15 U.S.C. 1681c-2, which allows for the blocking of fraudulent information related to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-07-11 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: OH

Complaint narrative:
I am writing to formally dispute several fraudulent accounts and collection entries appearing on my credit report due to identity theft. My name is XXXX XXXX, date of birth XX/XX/year>, residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX. I am a victim of identity theft and have attached a copy of my Identity Theft Report, as defined under XXXX XXXX Code XXXX and in accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ), codified as XXXX XXXX Code XXXX. 

I am invoking my rights under : XXXX XXXX Code XXXX ( Section XXXX of FCRA ) : Identity theft-related blocks XXXX XXXX Code XXXX : Responsibilities of furnishers of information XXXX XXXX Code XXXX : Privacy obligations XXXX the Gramm-Leach-Bliley Act Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX Code XXXX & XXXX Uniform Commercial Code ( UCC XXXX XXXX and XXXX : Reservation of rights and XXXX for proof According to federal law, you are required to block and remove all fraudulent items listed in the police report and identity theft affidavit. You must also cease and desist from reporting, verifying, or continuing collection efforts on these disputed accounts. Failure to comply constitutes a willful violation of federal law. 

I formally demand : XXXX. An immediate investigation under FCRA XXXX XXXX XXXX XXXX XXXX. A block and permanent deletion of the fraudulent accounts under XXXX XXXX. A cease and desist order against all reporting or collection activity XXXX. A full copy of my updated credit report sent to the address listed above Enclosed are the following : Copy of government-issued ID Proof of address Identity Theft Report and police report List of disputed accounts with supporting documentation Please take this matter seriously and act within the XXXX timeline required under XXXX. Failure to act accordingly XXXX result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential civil litigation. 

Sincerely, XXXX XXXX XXXX Without Prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally dispute several fraudulent accounts and collection entries appearing on my credit report due to identity theft. My name is XXXX XXXX, date of birth XX/XX/year>, residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX. I am a victim of identity theft and have attached a copy of my Identity Theft Report, as defined under XXXX XXXX Code XXXX and in accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ), codified as XXXX XXXX Code XXXX. 

I am invoking my rights under : XXXX XXXX Code XXXX ( Section XXXX of FCRA ) : Identity theft-related blocks XXXX XXXX Code XXXX : Responsibilities of furnishers of information XXXX XXXX Code XXXX : Privacy obligations XXXX the Gramm-Leach-Bliley Act Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX Code XXXX & XXXX Uniform Commercial Code ( UCC XXXX XXXX and XXXX : Reservation of rights and XXXX for proof According to federal law, you are required to block and remove all fraudulent items listed in the police report and identity theft affidavit. You must also cease and desist from reporting, verifying, or continuing collection efforts on these disputed accounts. Failure to comply constitutes a willful violation of federal law. 

I formally demand : XXXX. An immediate investigation under FCRA XXXX XXXX XXXX XXXX XXXX. A block and permanent deletion of the fraudulent accounts under XXXX XXXX. A cease and desist order against all reporting or collection activity XXXX. A full copy of my updated credit report sent to the address listed above Enclosed are the following : Copy of government-issued ID Proof of address Identity Theft Report and police report List of disputed accounts with supporting documentation Please take this matter seriously and act within the XXXX timeline required under XXXX. Failure to act accordingly XXXX result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential civil litigation. 

Sincerely, XXXX XXXX XXXX Without Prejudice

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 2025-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
On XX/XX/XXXX, I made a {$22000.00} payment to Bridgecrest to pay off my auto loan. My account was immediately marked " Paid in Full '' and I received confirmation. However, earlier that same day, Bridgecrest inserted a suspicious, unexplained ledger adjustment inflating my balance to {$44000.00}. This inflated balance disappeared later that day without any explanation. 

Bridgecrest now claims the payment was reversed on XX/XX/XXXX, but this contradicts both their original records and my online account portal, which shows no entry for that date. The only reversal visible occurred silently around XX/XX/XXXX. No notice was provided, violating the Fair Credit Billing Act ( 15 U.S.C. 1666a ).

I requested all ledger records, timestamps, reversal documentation, audit trails, and servicing disclosures tied to this period. Bridgecrest failed to produce a XXXX XXXX ledger or explain the phantom $ XXXX balance. This behavior mirrors violations cited in the CFPBs XXXX Consent Order against them for fabricating balances and payoff data. 

I am requesting a full audit, regulatory referral, and enforcement action based on their continuing misconduct, concealment, and refusal to correct the account or provide transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or XXXX  inquiries as reported. The aforementioned accounts, collections, and XXXX  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 XXXX  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 non-monetary relief
Consumer complaint received 2025-07-11 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: RI

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 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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint because the credit reporting agencies and furnishers have continued to report inaccurate, unverifiable, and unauthorized information on my credit reports. Despite prior dispute efforts, these items have not been properly investigated or removed, and I am still suffering XXXX XXXX XXXX XXXX XXXX I am listing each problematic item below with the corresponding issue, law violations, and specific impact these errors have caused in my life. 
XXXX XXXX CT XXXX, CO XXXX WRONG ADDRESS Issue : I have never lived at or been associated with this address at any point. This address was falsely reported without my authorization or verification. It is causing confusion and affecting my credit history. 
Law Violation : Under FCRA Section XXXX A and XXXX ( b ), the inclusion of inaccurate address data without proper investigation is a violation of my rights as a consumer. 
Story : Due to this address, Ive been flagged by creditors and credit bureaus for high-risk profiles and suspected fraud. I have provided my correct address multiple times and demanded removal, yet this false data is still present, hurting my financial credibility and XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHARGE OFF HIGH BALANCE : {$30000.00} DATE OPENED : XX/XX/year> * * Issue : This account was charged off and is now being falsely reported with inconsistent balance data. No proper notice of default or lawful collections process was followed. 
Law Violation : Under FCRA XXXX and FDCPA XXXX ( False or Misleading Representations ), this is illegal. Reporting agencies are also liable under XXXX XXXX XXXX XXXX. 
Story : I was never notified of delinquency timelines nor offered resolution before the charge-off. It has severely impacted my creditworthiness and XXXX XXXX The burden of proof lies on the furnishers, which they have failed to meet. 
These issues, individually and collectively, are in violation of multiple provisions under the FCRA ( XXXX XXXX. XXXX ), FDCPA ( XXXX XXXX. XXXX ), and other consumer protection laws. The harm caused by these violations is ongoing and is affecting my financial future, personal life, and XXXX XXXX I respectfully request the Consumer Financial Protection Bureau to investigate this matter, instruct the credit bureaus and furnishers to provide full validation, and require the immediate correction or deletion of all inaccurate and unauthorized information. 
Thank you for your time and attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NV

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
ject : Final Demand for Permanent Deletion of Inaccurate, Unverified, and Time-Barred Accounts Notice of Intent to Pursue Legal Action under the Fair Credit Reporting Act and NY State Law To Whom It May Concern, This letter serves as my final demand for the permanent deletion of the following closed and charged-off accounts from my credit report. These accounts are inaccurate, unverifiable, or time-barred, and your continued reporting of them constitutes a willful violation of the Fair Credit Reporting Act ( FCRA ) and New York General Business Law . 

Despite multiple formal disputes, you have failed to provide any legitimate verification or documentation. Instead, you continue to report these accounts further hurting my credit. This is deceptive effort to re-age them and inflict ongoing damage to my credit profile, which is illegal! 

Accounts to be Permanently Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You Are Violating the Following Laws : FCRA 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation FCRA 15 U.S.C. 1681i ( a ) ( 5 ) : Failure to delete unverifiable information FCRA 15 U.S.C. 1681c : Illegal re-aging of negative items FCRA 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to disclose the reinvestigation method XXXX XXXX XXXX XXXX  Reporting time-barred accounts more than 3 years XXXX XXXX XXXX XXXX : Engaging in unfair and deceptive business practices What You Must Do : I am demanding that you : 1. Permanently delete all listed accounts from my Experian credit file ; 2. Provide written confirmation of their removal ; 3. Confirm that these accounts will not be reinserted, resold, or reassigned under any name or collection agency. 

If you fail to comply within 15 days, I will escalate this matter to the CFPB, FTC, and the New York Attorney General, and will pursue legal action, including recovery of damages and attorneys fees as provided under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: MD

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-07-11 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: GA

Complaint narrative:
The personal details on my credit report contain errors, particularly with old or incorrect addresses that need to be taken off immediately. Ive included the appropriate documentation to support these changes, and I am requesting that these be removed from my credit profile as soon as possible.

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 2025-07-11 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: MO

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-07-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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