vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
Credit Acceptance Corporation ( CAC ) has engaged in predatory lending practices, fraudulent credit reporting, and willful violations of the Fair Credit Reporting Act ( FCRA ). Despite consumer disputes, CAC continues to misreport loan information and manipulate consumer credit profiles to justify excessive interest rates and unlawful collection tactics.

CAC has : Falsified consumer risk factors to charge higher-than-justified interest rates.

Misrepresented paid loans as delinquent, harming consumer credit scores.

Ignored consumer disputes, violating FCRA 15 U.S.C. 1681i ( a ).

Used deceptive lending practices, leading to financial distress for consumers.

Supporting Evidence : Consumers charged excessive interest based on manipulated risk factors.

Failure to correct erroneous credit data upon consumer disputes.

Evidence of CAC systematically misclassifying loan payments to harm creditworthiness.

Harm & Damages : Denied Auto Financing & Higher Loan Costs due to fraudulent credit reporting.

Misrepresentation of Risk Profiles, forcing consumers into predatory loan agreements. 

Emotional & Financial Distress caused by CACs deception and misreporting.

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 2025-03-07 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: PA

Complaint narrative:
I am writing to formally address your failure to maintain fair and accurate credit reporting, as required under the Fair Credit Reporting Act ( FCRA ). According to FCRA 602, consumer reporting agencies are expected to uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. However, despite my repeated dispute letters over the past months, you continue to report inaccurate information on my credit file without providing any proof of your verification methods. This is both unacceptable and a direct violation of FCRA guidelines. 

Upon reviewing my previous dispute responses, I have confirmed that XXXX has already removed these negative accounts from my credit report following their investigation. Given this, I question why you have failed to take the same corrective action. If XXXX determined these accounts to be inaccurate or unverified and deleted them accordingly, your refusal to do so raises serious concerns regarding the adequacy of your investigation and your compliance with the FCRA.

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 2025-03-07 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: Possible Financial Inc
State: MA

Complaint narrative:
On XX/XX/XXXX, POSSIBLE FINANCIAL INC. opened a payday loan account that I did not authorize. I later opened an account with POSSIBLE FINANCIAL INC. on XX/XX/XXXX, which began with account number XXXX. The account in question from XX/XX/XXXX, with account number XXXX, is invalid and was not opened by me. 

I discovered this discrepancy while reviewing my XXXX credit report, where two accounts appear : one valid account and one unauthorized account. It appears that after defaulting on a loan that was opened illegally, POSSIBLE FINANCIAL INC. granted me a new loan in XXXX without addressing the existence of the previous unauthorized account, resulting in two separate accounts on my record. 

I respectfully request a resolution to correct this error, including the removal of the unauthorized account and any negative reporting associated with it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: NJ

Complaint narrative:
I am writing to you regarding a debt that your agency claims I owe. In accordance with my rights under federal law, specifically IS XXXX XXXX of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with written validation of this debt. 
This includes, but is not limited to, the following information : XXXX. The amount of the debt. 
XXXX. The name of the original creditor. 
XXXX. A detailed explanation of the debt, including any interest, fees, or other charges. 
Under 15 USC 1692g, I am entitled to receive this validation before I can consider any payment. Until you provide this information, I am requesting that all collection activities cease.

Additionally, I would like to draw your attention to 15 USC 1681q of the Fair Credit Reporting Act ( FCRA ), which prohibits the use of false pretenses to obtain consumer credit information. 
Any attempt to falsely claim a debt or to misrepresent the details of the debt would be a violation of this statute and could result in legal consequences for your agency. 
Please treat this letter as a formal dispute of the debt in question. 
Furthermore, I am requesting that you cease all communication with me regarding this matter until you have provided the requested validation. All future communications should be in writing and sent to the address listed above. 
I expect to receive this validation within 30 days of the date of this letter. Failure to provide proper validation will result in my pursuing all available legal remedies to protect my rights. 
Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: GA

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-07 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:
EXPERIAN recently verified an upstart/customers bank loan account that I showed proof was reporting inaccurately. So I want to request the method of verification on how the account was verified because I believe EXPERIAN did not verify the account and EXPERIAN was recently sued for doing sham investigations. I believe this was another shame investigation.

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 2025-03-07 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: NJ

Complaint narrative:
Equifax is reporting inconsistent and inaccurate information regarding my XXXX XXXX  XXXX account ( Account # XXXX ). I compared my credit reports from all three major credit bureaus and found significant discrepancies that violate the Fair Credit Reporting Act ( FCRA ). 

Inconsistencies in Equifaxs Reporting : Date of Last Activity : XX/XX/XXXX ( XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX ) Date Reported : XX/XX/XXXX ( XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX ) Creditor Remarks : Consumer disputes this account information. Charged off account. 
This differs from XXXX XXXX XXXX, making the charge-off status unclear. 
Payment History : Equifax reports continuous charge-offs ( CO ) for over 24 months, which suggests potential re-aging, a violation of FCRA.

These inconsistencies violate 15 U.S.C. 1681e ( b ), as Equifax has failed to maintain accurate and consistent information. Furthermore, 15 U.S.C. 1681i ( a ) ( 7 ) requires Equifax to provide a detailed description of the reinvestigation process, which I have not received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: CA

Complaint narrative:
I opened Chime checking account through XXXX website link XXXX XXXX XXXX XXXX  on XX/XX/year>. Note the website is a bit different from mine now as mine was shown as {$510.00} but now it's showing {$520.00}. But I saved the PDF when the website was showing the promotion page when I opened the account. 

I followed the instructions and the activity was tracked by their website and shown under my account as one of the " Visit History ''. I then finished all the requirements stated in the promotion terms which was direct depositing funds from my payroll into my newly opened Chime 's checking on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and XX/XX/year> ( three times although they only require two ). 

I first reached out to their support on XX/XX/year> asking about why the activity wasn't moved to Pending state as they were already shown up in the Visit History. I got the response asking me to send back a few documents after 31 days of the 1st qualifying direct deposit. 

I then waited until XX/XX/year>XXXX  ( a few days passed 31 days of the 1st direct deposit date XX/XX/year> ) and sent the email with all the required documents to the same support following his instructions in his first email. However this time he replied that " we can not confirm the successful completion of the activity on our site '' which is obviously a lie because the activity is still clearly showing in my account as Pending and I believe that's the reason he sent me the first email asking me to reach out after 31 days of completing 1st direct deposit. The activity is never recognized by their system for whatever reason. 

I then replied to his email provided more documents including the PDF about the bonus when I opened the account and the screenshot of the Visit History showing in my account. But no responses after that. 

I'm very disappointed by their system and the support who seems to deny what he said in the first place and refuse to payout. I have followed all the instructions, completed all the requirements and send all the evidences to them but they just simply ignore them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am a victim of cashapp fraud. XXXX XXXX  was lost from my checking because of this fraud. 

Someone broke into my car and stole my phone and all my debit/credit cards and used them. Used my cashapp stored on phone to transfer money to his own cashapp account. 

I reported it to police also. I filed fraud report with cash app and cash app wrongfully concluded no fraud and instead terminated my own account for violation. I doubt they even investigated anything. 

They didn't even ask for copy of my police report. And it was a very short decision when they said it will take XXXX business days. Cashapp security isn't there at all because if someone steals your phone they will say records show its your phone and no fraud. 

Without looking at police report it's clear they don't want to refund because it's XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NJ

Complaint narrative:
What happened? 
Equifax is reporting inconsistent and inaccurate information regarding my XXXXXXXX XXXX XXXXXXXX account ( Account # XXXX ). I compared my credit reports from all three major credit bureaus and found significant discrepancies that violate the Fair Credit Reporting Act ( FCRA ). 

Inconsistencies in Equifaxs Reporting : Date of Last Activity : XX/XX/XXXX ( XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX ). 
Date Reported : XX/XX/XXXX ( XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX ). 
Creditor Remarks : Consumer disputes this account information. Charged off account. 
This differs from XXXX XXXX XXXX, making the charge-off status unclear. 
Payment History : Equifax reports continuous charge-offs ( CO ) for over 24 months, which suggests potential re-aging, a violation of FCRA. 
These inconsistencies violate 15 U.S.C. 1681e ( b ), as Equifax has failed to maintain accurate and consistent information. Furthermore, 15 U.S.C. 1681i ( a ) ( 7 ) requires Equifax to provide a detailed description of the reinvestigation process, which I have not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-07 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: MN

Complaint narrative:
Jefferson Capital Systems has engaged in unlawful debt collection practices, fraudulent credit reporting, and violations of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This company has been reported for : Re-aging debts beyond legal limits to misrepresent the status of old accounts.

Illegally reporting discharged debts as still owed, violating 15 U.S.C. 1681c ( a ).

Fabricating delinquent accounts to pressure consumers into making unlawful payments.

Ignoring consumer disputes and failing to validate debts upon request.

Supporting Evidence : Credit reports showing re-aged and invalid debts.

Consumer disputes ignored, violating FCRA and FDCPA regulations.

Debt collection notices pressuring consumers to pay discharged debts.

Harm & Damages : Negative Credit Score Impact, affecting loan approvals and interest rates.

Harassment from Illegal Debt Collection Attempts despite debts being legally unenforceable.

Financial Losses from consumers paying debts that were already discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXXXXXX 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 2025-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: DC

Complaint narrative:
My vehicle was deemed a total loss on XX/XX/year>. I got in contact with the selling dealership to help me with cancellation of products at the date of purchase to help me close out loan. The dealership switched my XXXX company with out me knowing. I still submitted my paperwork back in XXXX for this vehicle. My insurance sent their settlement to Infiniti Finance. Only thing we were waiting for was the cancellation of the extra products purchased at date of sale. I was giving the run around by the dealer as well as the company that endorsed my product. Eventually everything was deemed acceptable but the lender kept flagging late payments on my consumer report. I contacted them about this matter as it was not a fault of mine and they have yet to remove these remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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