vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. Experian Information Solutions XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXXXXXX XXXX XXXX XXXXXXXX

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 2025-04-10 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-04-10 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXXXXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX  XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: TX

Complaint narrative:
I'm writing to formally report that I have been a victim of identity theft on XXXX I noticed unauthorized inquires and accounts on my credit report. I did not open, authorize or approve these accounts. I have never conducted business with these companies and do not consent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I voluntarily surrendered a vehicle financed through Bridgecrest after experiencing multiple mechanical issues and manufacturer recalls. I was paying monthly for a warranty that I was later told would not apply due to the vehicles high mileage at the time of purchase. This made it impossible to use the warranty benefits I had been paying for. After the vehicle broke down, I reached out to the lender through calls, emails, and a formal letter, explaining my situation and requesting a resolution. Despite my efforts to engage them, I received no response from the lender, leaving me with no options for resolution. Upon further research, I discovered that the car had multiple recalls, which the dealership and lender failed to disclose to me at the time of purchase. I found these recalls online through a simple XXXX search, contradicting the lenders claims that the vehicle had no recalls. In addition, the co-signer on this account is a XXXX veteran. I believe Bridgecrest took advantage of our situation by failing to communicate consistently or respond to our concerns I called Bridgecrest on XX/XX/year> and also sent a formal letter on XX/XX/year>. I emailed them on XX/XX/year> explaining my situation and requesting assistance or resolution. I received no response. 

Despite my attempts to resolve the issue directly, the account was recently reported on my XXXX credit report, causing my score to drop significantly. I feel this is unfair and misrepresents the situation. I made timely payments on the loan as agreed, demonstrating my commitment to fulfilling my financial obligations. I ensured all payments were made on time, in good faith, despite ongoing issues with the vehicle. I am requesting that this account be removed or updated to reflect the circumstances of the surrender and Bridgecrests lack of support or communication. 

I believe this negative mark on my credit report is not only inaccurate but also unfair, given the lenders failure to address my concerns and the undisclosed recalls on the vehicle. I am requesting that the CFPB investigate this matter and assist in the removal of this inaccurate information from my credit report. 

Thank you for your time and assistance in resolving this issue. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My account was closed after 14 years XX/XX/year> for no reason. I have been doing same transfers from my XXXX account to my Citi bank account for 10 years with no problems. Now my money {$6700.00}, I had left in my account has been held for no reason for months. l 've been lied to so many time by Citi bank fraud dept it's crazy. I have the recordings. have verified at the local branch with paper showing my XXXX account has same phone number my Citi bank account is proving this is my money being held. 
The branch manager faxed the copy over to the back office I was told I would receive the funds time and time again for months now. Many hours on the phone speaking with fraud dept managers for them to tell me time and time again lies. I want my my money deposited back into my XXXX that it came from asap. Mailing a check will delay the matter of me receiving my money. I've waited months and months and months for as they're making interest on it. This is unjust.Please help with this matter I appreciate your assistance.

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 2025-04-10 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: LA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-04-10 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All accounts were charged off and closed in bankruptcy, which is now XXXX. Requesting these items to be removed from credit report : XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
XXXX XXXX BANK XXXX XXXX XXXX Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX late. 
XXXX BANK Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX late. 
PA XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
PA XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
PA XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
Chapter XXXX bankruptcy XXXX Potentially negative Date Filed XX/XX/XXXX Court XXXX XXXX CT GA 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 2025-04-10 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, XXXX, and Equifax regarding the inaccurate and unverifiable reporting of the XXXX XXXX XXXX  ( XXXX ) collection account on my credit reports. The significant inconsistencies and lack of verifiable information are causing undue harm to my creditworthiness. 

Account Information : Creditor Name : XXXX XXXX XXXX  ( XXXX ) Account Number ( as it appears on XXXX ) : XXXX Nature of the Complaint : I am disputing the reporting of this collection account due to the following critical inaccuracies and its unverifiable nature : XXXX Inconsistent Reporting Across Bureaus : XXXX XXXX Reports detailed information including an " Open '' account status with a " Collection/Chargeoff '' payment status, a " Derogatory '' rating, and a " Date Opened '' of XX/XX/year>. 
XXXX : XXXX minimal information with a " Closed '' account status and a " Derogatory '' rating, but is missing key dates and other details. 
Equifax : XXXX minimal information with an " XXXX '' account status, a " Derogatory '' rating, and a " Date Opened '' of XX/XX/year>, but is missing other crucial details. 
XXXX Account XXXX on XXXX : XXXX lists the account as " XXXX '' while simultaneously indicating it's in " Collection/Chargeoff. '' This is illogical and demonstrates inaccurate reporting. 
XXXX " Date Opened '' : XXXX and Equifax report different " Date Opened '' values ( XX/XX/year> vs. XX/XX/year> ), further highlighting the unreliability of the reported information. XXXX does not report this date. 
XXXX of Verifiable Information : The significant discrepancies and missing data, particularly from XXXX and Equifax, raise serious doubts about the ability to verify the accuracy and legitimacy of this collection account. 
XXXX XXXX : Given the inconsistent and incomplete reporting, I contend that this collection account is unverifiable and should be removed from my credit reports. 

XXXX XXXX XXXX Credit Bureaus : XXXX, XXXX, and Equifax : Failure to report consistent and accurate information for this collection account. 
Reporting contradictory account statuses ( specifically XXXX ). 
Providing incomplete and unverifiable information ( specifically XXXX and Equifax ). 
Reporting a derogatory collection account with questionable accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: MI

Complaint narrative:
I disagree with the accounts listed below which still appears on my credit report, even after your Investigation. I would like these items immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX, XXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX, XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-04-10 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: PA

Complaint narrative:
I am filing this complaint against TransUnion for failing to conduct a proper and lawful reinvestigation of the following accounts I disputed : XXXX BANK XXXX Account ending in XXXXXXXX XXXX XXXX  Account ending in XXXXXXXX XXXX XXXX  Account ending in XXXX Under the Fair Credit Reporting Act ( FCRA Section 611, 15 U.S.C. 1681i ), I have the right to dispute inaccurate or incomplete information and expect a reasonable and thorough reinvestigation. Despite my formal disputes, TransUnion failed to provide evidence of any meaningful investigation and continues to report these accounts inaccurately.

Additionally, under 15 U.S.C. 1681e ( b ), TransUnion is required to follow reasonable procedures to ensure maximum possible accuracy. By continuing to report disputed and potentially unverifiable accounts, TransUnion is not upholding its legal responsibilities. 

Furthermore, furnishers of information ( the original creditors ) are obligated under 15 U.S.C. 1681s-2 to investigate disputes and correct inaccurate data. TransUnions failure to ensure this process occurred is another violation of 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 non-monetary relief
Consumer complaint received 2025-04-10 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: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
It is the incorrect information on my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: Aargon Agency, Inc.
State: CA

Complaint narrative:
It is the incorrect information on my credit reports

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 2025-04-10 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: MS

Complaint narrative:
I've requested my name/address to be updated & employer information to be removed and those requests have been ignored. 

XXXX XXXX  ( ALL BUREAUS ) My employer information is inaccurate and unauthorized. I have never given any bureau or creditor permission to list or publish my employment history.

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