vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax Information Service LLC due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Details of the Account in Dispute : Account Number : XXXX, XXXX Creditor Name : XXXX XXXX  XXXX, XXXX Incorrect information identified in reports from all three credit bureaus. Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal. Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax Information Service LLC due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Details of the Account in Dispute : Account Number : XXXX, XXXX Creditor Name : XXXX XXXX  XXXX, XXXX Incorrect information identified in reports from all three credit bureaus. Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal. Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXXXXXX XXXX I have contacted Experian numerous times to login to my account. I spoke with XXXX in dispute who advised that my account was locked and had to transfer to me membership customer service. There I spoke to two representative XXXX and XXXX, and they advised that they send me a reset password so I can get in and I never received it. This isa violation of my rights to receive my credit report and want to make a complaint against Experian. My information is inaccurate, and I can not dispute because I can not get into my account as the information on file is outdated.

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 2025-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
Dear Sir or Madam, I am writing to file a formal complaint against Bridgecrest regarding multiple violations related to my auto loan for a XXXX XXXX XXXX XXXX. I purchased this vehicle in XXXX under the express representation that it included a sunroof ; however, the delivered vehicle does not include this feature. When I raised the discrepancy, Bridgecrest maintained that the vehicle was identical to the one described in the contract, a claim that is factually incorrect. 

In addition, I have discovered that : The vehicle was removed from my XXXX account post-purchase. 

My personal data appears to have been shared without my authorization with credit reporting agencies ( see : https : //www2.bridgecrest.comXXXX ). 

Furthermore, I have reason to believe that Bridgecrest and/or XXXX placed and/or used a tracking device on my vehicle without my consent. This unauthorized tracking constitutes a severe violation of my privacy rights. 

Legal Violations and Relevant Provisions : Truth in Lending Act ( TILA ) : Violations under 15 U.S.C. 1601 et seq. for inaccurate and misleading disclosures.

Fair Credit Reporting Act ( FCRA ) : Violations under 15 U.S.C. 1681 et seq. related to unauthorized data sharing and inaccurate credit reporting.

Electronic Communications Privacy Act ( ECPA ) : Unauthorized tracking may violate provisions under 18 U.S.C. 25102522. 

State Consumer Fraud Laws : Additional misrepresentation issues that may be actionable under applicable state statutes.

Remedy Sought : I demand that the remaining balance of my auto loan ( {$14000.00} plus accrued interest ) be forgiven and paid in full. Additionally, I seek damages in an amount comparable to the remaining balance for the financial, emotional, and privacy harms incurred.

I respectfully request an immediate investigation into these matters and a prompt written response outlining the steps to be taken to resolve this complaint. Should these issues remain unresolved, I will pursue further legal remedies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have recently discovered that there are multiple instances of fraud with the mortgage that originated through XXXXXXXX XXXX XXXX XXXX XXXXXXXX, which ended up being " serviced '' by XXXX Mortgage. 

The fraud i have discovered involves : 1. Grammatical fraud, impersonating and misrepresenting two jurisdictions ; Uniform Code of Military Justice ( UCMJ ) and Uniform Commercial Code ( UCC ) via the original loan paperwork and statements now issued by XXXX XXXX. This is fraud and is a felony. 

2. The Note itself is not on the Public Record and is missing the endorsement stamps. This is fraud. 

3. My credit reports do NOT reflect the loan made by XXXXXXXX XXXX XXXX XXXX XXXX at all. My credit reports only reflect XXXXXXXX XXXX XXXX XXXXXXXX, of whom i have no contract with. In fact, there is no mention of this entity whatsoever on any of the mortgage documents. This is fraud. 

4. The only thing on the public record is a copy of the mortgage, not the original wet ink mortgage, without the Note. This is fraud.

5. I have checked the XXXX XXXX  for the activity and is shows " inactive. '' This is verification that the loan has been paid off. 

6. The cost of the loan as provided by XXXXXXXX XXXX XXXX XXXX XXXX, is understated by over {$20000.00}. The law provides that they must come within {$100.00} or there is reason to discharge the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have recently discovered that there are multiple instances of fraud with the mortgage that originated through XXXXXXXX XXXX XXXX XXXX XXXXXXXX, which ended up being " serviced '' by XXXX XXXX. 

The fraud i have discovered involves : 1. Grammatical fraud, impersonating and misrepresenting two jurisdictions ; Uniform Code of Military Justice ( UCMJ ) and Uniform Commercial Code ( UCC ) via the original loan paperwork and statements now issued by XXXX XXXX. This is fraud and is a felony. 

2. The Note itself is not on the Public Record and is missing the endorsement stamps. This is fraud.

3. My credit reports do NOT reflect the loan made by XXXXXXXX XXXX XXXX XXXXXXXX XXXX at all. My credit reports only reflect XXXXXXXX XXXX XXXX XXXXXXXX, of whom i have no contract with. In fact, there is no mention of this entity whatsoever on any of the mortgage documents. This is fraud. 

4. The only thing on the public record is a copy of the mortgage, not the original wet ink mortgage, without the Note. This is fraud.

5. I have checked the XXXX XXXX for the activity and is shows " inactive. '' This is verification that the loan has been paid off. 

6. The cost of the loan as provided by XXXXXXXX XXXX XXXX XXXX XXXXXXXX, is understated by over {$20000.00}. The law provides that they must come within {$100.00} or there is reason to discharge the loan.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have recently discovered that there are multiple instances of fraud with the mortgage that originated through XXXX Mortgage XXXX XXXX XXXX, which ended up being " serviced '' by XXXX XXXX. 

The fraud i have discovered involves : 1. Grammatical fraud, impersonating and misrepresenting two jurisdictions ; Uniform Code of Military Justice ( UCMJ ) and Uniform Commercial Code ( UCC ) via the original loan paperwork and statements now issued by XXXX XXXX. This is fraud and is a felony. 

2. The Note itself is not on the Public Record and is missing the endorsement stamps. This is fraud. 

3. My credit reports do NOT reflect the loan made by XXXXXXXX XXXX XXXX XXXXXXXX XXXX at all. My credit reports only reflect XXXXXXXX XXXX XXXX XXXXXXXX, of whom i have no contract with. In fact, there is no mention of this entity whatsoever on any of the mortgage documents. This is fraud. 

4. The only thing on the public record is a copy of the mortgage, not the original wet ink mortgage, without the Note. This is fraud.

5. I have checked the XXXX XXXX for the activity and is shows " inactive. '' This is verification that the loan has been paid off. 

6. The cost of the loan as provided by XXXXXXXX XXXX XXXX XXXX XXXXXXXX, is understated by over {$20000.00}. The law provides that they must come within {$100.00} or there is reason to discharge the loan.

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 2025-03-25 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: FL

Complaint narrative:
On the XX/XX/year> between XXXX and XXXX I called transunion to report the fraud and unauthorized inquiries when I called I was told lies was rudely talk to and hung up on the agent on be XXXX XXXX being her surname lord on behalf of transunion trying to get the beneficiary me XXXX  to mail in my dispute which I stated I cant XXXX XXXX and my best way of communicating is over the phone she lied and deprived me of my consumer rights as her being a fiduciary and having a duty to help me she breach our contract and lied about her name and presenting me her identity as well I got into with a manager and she was already prepped to talk to me from my last call with XXXX but she said she would dispute them and gave me a confirmation case number which is XXXX Im want the inquiry cause I never open that inquiry nor thoses accounts. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2025-03-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX XXXX Re : Request for Debt Validation Dear XXXX XXXX XXXX XXXX XXXX I am writing in response to your communication regarding an alleged debt that you claim I owe. I request that you provide verification of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, under this statute, I am requesting the following information : The full amount of the alleged debt.

The name of the original creditor. 
A copy of the original contract or agreement that created the debt, including terms and conditions. 
Detailed information about any interest, fees, or charges that have been added to the original debt. 
Proof that you are authorized to collect the debt in the state of Texas, including your license number and information on any bond you hold as required by Texas law. 
I also ask that you provide evidence that this debt is indeed mine, such as a signed agreement or account statements from the original creditor. 

Please note that under the FDCPA, you are prohibited from continuing to collect on this debt until you have provided the requested validation. Failure to provide the requested information will result in my disputing the debt and XXXX also violate the law. 

Additionally, I remind you that Texas law, specifically the Texas Debt Collection Act ( TDCA ), under Texas Finance Code Chapter 392, provides further protections against harassment and unfair debt collection practices. Any attempt to collect on this debt before verifying its legitimacy may be considered a violation of both federal and state law. 

In accordance with Texas law, if this debt has been reported to a credit reporting agency, I request that you immediately notify them of this dispute. 
Please provide the requested information within 30 days of receiving this letter as required by the FDCPA. If you fail to respond or fail to provide the necessary verification, I will consider this matter closed, and I may take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or the Texas Office of Consumer Credit Commissioner ( OCCC ). 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 explanation
Consumer complaint received 2025-03-25 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-03-25 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 2025-03-25 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: NC

Complaint narrative:
it has been over 35 days with no response from the credit agencies nor from the companies. i sent letters to all 3 of the credit agencies please look at the attached letters

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-25 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: Foreman Financial Inc.
State: CA

Complaint narrative:
I am a United States XXXX Veteran. My sir name is incorrect, I am a XXXX, not a XXXX. or a XXXX  as it is on my Birth Certificate, California Real ID and my XXXX  XXXX. I have unauthorized Hard Inquiries on my credit report. I'm in the hospital a lot and XXXX XXXX XXXX XXXX well so I don't get my mail often. I tried to tell them that I did not authorize this inquiry, but they did nothing, along with many other inquiries on my credit reports. I do not authorize this inquiry and is still trying to figure it out how this happen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MS

Complaint narrative:
I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. Here is the account that I am asking you to verify : I am demanding a deletion of the following account. 

XXXX XXXX XXXX acct # : 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