vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: OH

Complaint narrative:
I am filing this complaint regarding multiple inaccurate or unverifiable items listed on my credit report. As a consumer acting on my own behalf, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request specific information regarding the reinvestigation procedures used in response to a previous dispute I submitted.

Under 15 U.S.C. 1681i ( 7 ), I have the right to receive a detailed explanation of the method of verification your agency used during the reinvestigation process. This includes, but is not limited to : A description of the reinvestigation procedure ; The name, address, and phone number of any furnisher of information that was contacted ; The specific documents used to verify each disputed item.

Disputed Accounts and Personal Information Bankruptcy XXXX XXXX XXXX ) Case Name : BankruptcyXXXX Case Number : XXXX Charge-Offs XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal Information : Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2025-06-17 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: Experian Information Solutions Inc.
State: KY

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. 

XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX, XXXX # XXXX has violated my rights 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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 2025-06-17 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: TX

Complaint narrative:
I am a victim of identity theft while going over my credit report I have come to conclusion that I have multiple accounts that has been reporting to my report that I didnt open personally. The accounts that was studied fraudulently opened I have listed them

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 2025-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX XXXX XXXX through XXXX under a retail installment agreement, not a loan. I paid a {$3100.00} cash down payment, yet XXXX only acknowledged {$3100.00}, and to this day, they have failed to account for the missing {$90.00}. I have kept every receipt and labeled my exhibits clearly. 

According to the signed contract and Truth in Lending disclosures, the amount financed was {$26000.00}, with a finance charge of {$28000.00}. Despite this, XXXX knowingly misrepresented the transaction to the CFPB by stating I financed only {$24000.00} a deliberate understatement of over {$2000.00}. This is not a clerical error ; it is a willful misrepresentation of material facts to a federal agency. 

I lawfully disputed the debt in writing and demanded validation under the FDCPA. Bridgecrest ignored my request and instead falsely reported that I made a {$2500.00} payment ( which I never did ), then proceeded to close the account and report a charge-off to credit bureaus. These actions were taken without validating the debt, correcting the down payment discrepancy, or responding to my without recourse legal notice. 

This pattern of deception, retaliation, and disregard for federal consumer protection laws has damaged my credit, undermined my financial credibility, and caused emotional distress. 

I am now seeking : Immediate rescission of the contract due to fraud and misrepresentation Full discharge of the alleged debt Removal of the lien Removal of the charge-off and all negative credit reporting Issuance of a clean and clear title I have acted in good faith at every step. The company has failed to cure multiple breaches and continues to engage in practices that I believe violate the FDCPA, FCRA, and TILA. This is a request for immediate regulatory review and enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: MD

Complaint narrative:
Subject : Illegal XXXX XXXX Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against [ Loan Servicer Name ], Experian, XXXX, and XXXX  for continued reporting and collection of XXXX  XXXX  debt that is now legally void following the executive order to abolish the XXXX Department of Education. In addition, I never took out any XXXX XXXX XXXX. Also, the XXXX XXXX University XXXX XXXX, IL. ) is No Longer in Existence to dispute the loan issues. 

XXXX XXXX XXXX  Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

4. Never signed any documents to take out a loan.

5. XXXX XXXX University XXXX XXXX, IL. ) is No Longer in Existence. 

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action.

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 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Subject : Illegal XXXX XXXX Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against [ Loan Servicer Name ], XXXX XXXX and TransUnion for continued reporting and collection of XXXX XXXX debt that is now legally void following the executive order to abolish the XXXX Department of Education. In addition, I never took out any XXXX XXXX XXXX. Also, the XXXX XXXX University XXXX XXXX, IL. ) is No Longer in Existence to dispute the loan issues. 

# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report XXXX XXXX that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

4. Never signed any documents to take out a loan.

5. XXXX XXXX University XXXX XXXX, IL. ) is No Longer in Existence. 

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action.

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 2025-06-17 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: MS

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of fraudulent accounts on my credit report. I am a verified victim of the XXXX XXXX XXXX, and as a result, my personal information has been compromised and used fraudulently to open accounts without my authorization. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) Section XXXXB ( XXXX U.S.C. XXXXc-2 ), I am requesting the expedited blocking of these fraudulent accounts within the legally mandated time frame of four ( 4 ) days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: MOHELA
State: GA

Complaint narrative:
I am writing to formally express serious concern and disappointment regarding a privacy violation involving my student loan account. 
It has come to my attention that a piece of correspondence related to my private student loan was recently sent to a relativemy auntat her address, which I have never provided or authorized for communication. I want to make it explicitly clear that I have never listed this individual as a reference, co-signer, contact, or alternate address at any point during my loan application or servicing process. 
This action is not only highly inappropriate, but it constitutes a breach of privacy and has caused unnecessary emotional distress, personal embarrassment, and harm to my relationships. My aunt now believes I involved her in a financial matter that she was never part of, which is both offensive and completely untrue. 
As a consumer, I have the right to expect that my personal identifiable and financial information be handled with the highest standards of confidentiality.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I am formally disputing the inaccurate reporting of federal student loan on my credit report. The account falsely reflects payments being made for years, despite the fact that I have never made a single payment. This constitutes willful. misrepresenting and a violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ), which requires furnishers to report accurate information.

Additionally, per 15 U.S.C 1681b, I am requesting full verification, including original promissory notes with my wet-ink signature, a full payment history detailing where these alleged payment history originated and any contracts or agreements authorizing this reporting. Failure to provide these documents confirms that this information is unverifiable and must be removed per 15 U.S.C. 1681i ( a ) ( 5 ). If this account can not be verified with the requested documentation, it must be deleted immediately. Continued false reporting of payments. extends the life of this account beyond legal reporting limits, violating the Fair Credit Reporting Act. Please provide a Fair Credit Reporting Act. Please provide a resolution in writing within the legally required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX, IL XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-06-17 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: MD

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really XXXX  my credit file and XXXX  my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge XXXX  for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally XXXX. Much appreciation to you right off the bat for your insight and help.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to inform you that I am a victim of identity theft. I recently discovered that an account was opened in my name in Bank of America opened in XX/XX/XXXX, without my knowledge or consent. I did not authorize anyone to use my personal information, including my name, Social Security number, or any other identifying details, to open or utilize this account. I was unaware of its existence until now. 
I suspect that my personal information may have been obtained through unauthorized access to my mailbox, leading to the fraudulent use of my documents. 
Please consider this letter as my formal dispute of the debt associated with this account. I am not responsible for any charges or obligations related to it. 
To assist in resolving this matter, I have enclosed the following documents : A copy of my drivers license A copy of my Social Security card Proof of my current address A copy of my Identity Theft Report from the Federal Trade Commission ( FTC )

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 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In reviewing my credit reports, I discovered two accounts that were fraudulently opened in my name : A XXXX XXXX XXXX collection account for {$2700.00}, reported as opened in XX/XX/XXXX XXXX XXXX XXXX XXXX  charged-off account for {$470.00}, reported in XX/XX/XXXX I did not authorize or open either of these accounts. These are the result of identity theft. I submitted an FTC Identity Theft Report ( Report # XXXX ) and mailed dispute letters to all three credit bureaus XXXX XXXX TransUnion, XXXX XXXX ) along with copies of supporting documents ( government-issued ID, social security card, address verification, and breach notification ). 

Despite providing this evidence, the accounts remain on my credit report, negatively affecting my credit profile. I requested deletion within 4 days under the Fair Credit Reporting Act and have not received resolution. 

I am requesting that these accounts be permanently removed and that the companies be held accountable for continuing to report fraudulent information after being notified of the theft.

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 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I was charged hidden overdraft fees on several accounts that I didn't open.

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 monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
b'Certified tracking number: XXXX XXXX XXXX XXXX XXXXThis following dispute was sent to the credit reporting agency.\n\nThis notice serves as a demand for the permanent deletion of data currently being reported on my credit file that are inaccurate, incomplete, outdated, or unverifiable.\nPursuant to my rights under the Fair Credit Reporting Act (FCRA), originally enacted as Public Law No. XXXX which was enacted in XXXX to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies (CRAs).\nXXXX U.S.C.  XXXX-2(a) - Duty to correct and update information.\nXXXX U.S.C.  XXXXi(a)(5) - Treatment of inaccurate or unverifiable information.\nYou must complete the reinvestigation and deletion in satisfaction with XXXX  U.S. CXXXX XXXXi - Procedure in case of disputed accuracy. For quicker responses you may reply to the email provided on the top left corner of this notice.\nTo verify my identity, I have included the following documents:\n 1 copy of my government-issued ID\n\n\nProof of current address\nFull of credit report, pages 1-36\nYou have 30 calendar days from receipt of this notice to act.\nTank'

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Citigroup Inc. XXXX XXXX XXXX XXXX XXXX Illegally closed my account XX/XX/XXXX. They LIED and say my credit card account was open fraudulently so they closed it.. They provided NO PROOF in fact the reason they closed my credit card account because I did not use it, so they could not make money in interest fees. They also Illegally informed the credit reporting agencies using there LIE and maliciously ruined my good credit on purpose! I trid calling them but their customer service are so Inept and Funtionally Illiterate Aliens I got no where! Citigroup has Thousands of bad complaints and reviews all over the Internet, their Website and XXXX against their company for all manner of Violations. I Demand the Federal Trade Commission Sue them or Shut this company down!

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