vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-20 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I am a victim of identity theft and have a current police report on file with Chex Systems. Chex Systems didnt delete or remove the following inquiries viewed by others from my Chex Systems Consumer Report ID : XXXX, Blue XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX inquiries is not my inquiries and the fraudulent inquiries was listed in the police report from the XXXX Police Department , I sent recently sent to Chex Systems. I do not want any fraud alerts or security freezes on my Chex Systems Consumer Report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/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 2025-03-20 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-03-20 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit 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 2025-03-20 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: LA

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-03-20 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: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
" My car loan debt from Bridgecrest Credit Account Number XXXXXXXX first became delinquent on XX/XX/XXXX, and was never brought current. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c ( a ) ( 4 ) ), this negative account should have been removed from my credit report by XX/XX/XXXX. However, Bridgecrest Credit and the credit bureaus are refusing to remove it, claiming the reporting period starts from the charge-off date rather than the date of first delinquency ( DOFD ). This is incorrect because the seven-year reporting period begins from the first missed payment that led to the charge-off, not the charge-off date itself. I have disputed this with the credit bureaus and Bridgecrest Credit Account Number XXXX, but they have failed to remove it. I request CFPB intervention to have this incorrect information removed immediately. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-20 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: PA

Complaint narrative:
The XXXX XXXX account for {$6900.00} does not belong to me

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 2025-03-20 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: GA

Complaint narrative:
Here is the list of fraudulent inquiries :XX/XX/XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-20 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: IN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation 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 systemic 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 ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic 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 or amend the disputed accounts, as Experian 's 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 2025-03-20 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit reporting Act ( FCRA ) to conduct a reasonable investigation 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 systemic 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 accounts, as Experian 's 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 2025-03-20 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: LEXISNEXIS
State: PA

Complaint narrative:
Dear CFPB Representative, I am filing a formal complaint against LexisNexis for collecting, storing, and sharing my personal information without my authorization. Despite my request for them to remove my data, they have failed to comply, violating my rights under federal and state laws : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681b & 1681c LexisNexis is a consumer reporting agency and must ensure that any data it collects or shares is authorized and accurate.

I never provided authorization for LexisNexis to collect or distribute my personal information.

2. California Consumer Privacy Act ( CCPA ) - If Applicable ( 1798.105 ) If I am a resident of California, I have the right to demand the deletion of my personal data.

LexisNexis is legally required to comply with this request under the CCPA.

3. Gramm-Leach-Bliley Act ( GLBA ) - Financial Data Privacy Protections If LexisNexis has collected or shared my financial data without my consent, they have violated federal data privacy laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Debts sold to different debt collectors that have already been discharged

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-20 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: American Credit Acceptance, LLC
State: DE

Complaint narrative:
I am submitting this follow-up complaint regarding my auto loan with XXXX XXXX XXXX XXXX XXXX ) for a XXXX XXXX XXXX XXXX from XXXX in XXXX, XXXX, in XX/XX/XXXX. XXXX response to my initial complaint failed to address the fraudulent misrepresentation, Truth in Lending Act ( XXXX ) violations, and financial harm I have suffered due to their deceptive lending practices. 

Key Issues That XXXX Has Failed to Address : XXXX. Fraudulent Loan Terms & Misrepresentation : At the time of signing, I was told that my total amount financed would be {$15000.00}, but XXXX falsely listed the total sales price as {$30000.00} without my knowledge or consent. 
A {$15000.00} finance charge was added without proper disclosure. For clarification, a finance charge is the total cost of borrowing money, including the interest rate and any additional fees or charges that may be added to the loan. This charge is meant to reflect the cost of financing the loan and should be clearly disclosed. The finance charge includes, but is not limited to, the interest rate, loan fees, and any other costs associated with the loan that the borrower is required to pay over the life of the loan. 
The 28 % XXXX was never fully explained to me before signing, violating TILA ( XXXX XXXX. XXXX et seq. ), which requires clear disclosure of interest rates and finance charges. 
XXXX. False Claims Regarding Contract & Pre-Funding Call : XXXX  originally claimed they lost my contract and only later found it after months of inquiries, raising serious concerns about document tampering and compliance violations. 
They now falsely claim I confirmed the contract terms during a pre-funding call on XX/XX/XXXX. 
I demand a copy of the full call recording or transcript to verify this claim. If XXXX  can not provide this, their response is inaccurate, and the contract was not properly disclosed. 
XXXX. Failure to Maintain Accurate Financial Records : XXXX  states I made XXXX  months worth of payments on a loan that only began in XX/XX/XXXX, which is factually impossible and suggests serious record-keeping errors or fraudulent reporting. 
XXXX  handling of this contract raises significant consumer protection concerns regarding record falsification and deceptive lending practices. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX has misreported my loan to credit bureaus despite its fraudulent nature. 
This has damaged my creditworthiness, impacting my ability to obtain fair financing. 
I demand XXXX  remove this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am writing to formally file a complaint regarding JPMorgan Chases discriminatory buyback offer for XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy. Specifically, Chase is offering significantly lower buyback amounts to XXXX XXXX XXXX owners compared to XXXX XXXX XXXX owners, despite both trims being identical and having the same original MSRP. 

Background Information I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was operated by JPMorgan Chase. 
My loan agreement was signed with Chase on XX/XX/XXXX, and I took delivery of the vehicle in XX/XX/XXXX. 
The MSRP of both the XXXX XXXX XXXX XXXX XXXX XXXX XXXX was {$68000.00}, and both vehicles were manufactured and delivered at the same time. 
However, some XXXX XXXX XXXX owners purchased their vehicles for less than MSRP, as low as {$55000.00}, yet they are receiving much higher trade-in offers from Chase than One owners. Chases Unfair Buyback Offer On XX/XX/XXXX, I received an official buyback offer from Chase, stating they would purchase my XXXX XXXX XXXX for approximately {$36000.00}. 
Meanwhile, XXXX XXXX XXXX owners are being offered buyback amounts exceeding {$54000.00} to {$59000.00}. 
Both trims are identical in features, performance, and original MSRP, yet Chase is consistently offering XXXX XXXX owners over {$20000.00} less thaXXXX XXXX XXXX 
Given that some XXXX XXXX XXXX buyers paid significantly less than MSRP ( around {$55000.00} ) and are receiving XXXX XXXX buyback offers, Chases valuation method appears to be inconsistent and unfairly prejudiced against XXXX XXXX XXXX XXXX. 

Why This Is a Problem 1. Identical Vehicles, Unjustified Pricing Discrepancy : XXXX XXXX XXXX and XXXX XXXX XXXX have no mechanical, feature, or pricing differences other than name and sequence of production. 
Chases buyback pricing should reflect fair market value, not selectively devalue a particular trim. 

2. Unfair Financial Impact on XXXX XXXX XXXX Owners : Many One owners financed their vehicles through Chase at full MSRP, yet Chase is lowballing their buyback offers. 
Chase is offering significantly higher payouts to buyers of a nearly identical vehicle who paid less originally, resulting in financial harm to XXXX XXXX owners. 

3. Possible Unfair Lending or Trade Practices : Chase originated the loans for both trims and now appears to be disproportionately undervaluing XXXX XXXX vehicles. 
This raises concerns about potential unfair trade practices, as it financially punishes one group of customers over another for no legitimate reason. 

Please feel free to reach out for any further details or documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately. 

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 
I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation