vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : XXXX Date : XX/XX/XXXX To : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Reinstatement Request Account # : XXXX To Whom It May Concern, I am writing regarding my XXXX credit card account ending in XXXX. In XXXX, I submitted a goodwill request letter asking for the removal of a XXXX late payment reported in XX/XX/XXXX due to a severe medical hardship : I had contracted XXXX during that time and was unable to make the payment. 



You graciously granted my request, and the remark was removed from all three major credit bureaus. I want to express my appreciation for your understanding at that time. 



However, I was recently made aware that the same XXXX late payment has reappeared on my credit reports despite the fact that this matter had been resolved in my favor. This appears to be a system or reporting error. 



Furthermore, during that time period, federal protections under the CARES Act applied to borrowers impacted by XXXX. Given my illness and hardship in XX/XX/XXXX, this late payment should not have been reported in the first place. The reappearance of this derogatory mark months after it was resolved is not only unfair, but XXXX also constitute a violation of federal law or XXXX 's own internal resolution. 



I respectfully request the following : 1. Immediate re-removal of the XX/XX/XXXX XXXX late payment from my credit reports. 

2. Confirmation that my account is being reported as current and in good standing.

3. A statement that this matter is resolved and will not be re-reported again. 



I am submitting this as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and requesting that you re-transmit the corrected information to XXXX, Experian, and XXXX. 



Thank you in advance for your swift action and attention to this matter. I appreciate the relationship Ive had with XXXX and trust that you will honor the decision already made in my favor. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : XXXX Date : XX/XX/XXXX To : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Reinstatement Request Account # : XXXX To Whom It May Concern, I am writing regarding my XXXX credit card account ending in XXXX. In XXXX, I submitted a goodwill request letter asking for the removal of a XXXX late payment reported in XX/XX/XXXX due to a severe medical hardship : I had contracted XXXX during that time and was unable to make the payment. 



You graciously granted my request, and the remark was removed from all three major credit bureaus. I want to express my appreciation for your understanding at that time. 



However, I was recently made aware that the same XXXX late payment has reappeared on my credit reports despite the fact that this matter had been resolved in my favor. This appears to be a system or reporting error. 



Furthermore, during that time period, federal protections under the CARES Act applied to borrowers impacted by XXXX. Given my illness and hardship in XX/XX/XXXX, this late payment should not have been reported in the first place. The reappearance of this derogatory mark months after it was resolved is not only unfair, but XXXX also constitute a violation of federal law or XXXX 's own internal resolution. 



I respectfully request the following : 1. Immediate re-removal of the XX/XX/XXXX XXXX late payment from my credit reports. 

2. Confirmation that my account is being reported as current and in good standing.

3. A statement that this matter is resolved and will not be re-reported again. 



I am submitting this as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and requesting that you re-transmit the corrected information to Equifax, XXXX, and XXXX. 



Thank you in advance for your swift action and attention to this matter. I appreciate the relationship Ive had with XXXX and trust that you will honor the decision already made in my favor. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : XXXX Date : XX/XX/XXXX To : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Reinstatement Request Account # : XXXX To Whom It May Concern, I am writing regarding my XXXX credit card account ending in XXXX. In XXXX, I submitted a goodwill request letter asking for the removal of a XXXX late payment reported in XX/XX/XXXX due to a severe medical hardship : I had contracted XXXX during that time and was unable to make the payment. 



You graciously granted my request, and the remark was removed from all three major credit bureaus. I want to express my appreciation for your understanding at that time. 



However, I was recently made aware that the same XXXX late payment has reappeared on my credit reports despite the fact that this matter had been resolved in my favor. This appears to be a system or reporting error. 



Furthermore, during that time period, federal protections under the CARES Act applied to borrowers impacted by XXXX. Given my illness and hardship in XX/XX/XXXX, this late payment should not have been reported in the first place. The reappearance of this derogatory mark months after it was resolved is not only unfair, but XXXX also constitute a violation of federal law or XXXX 's own internal resolution. 



I respectfully request the following : 1. Immediate re-removal of the XX/XX/XXXX XXXX late payment from my credit reports. 

2. Confirmation that my account is being reported as current and in good standing.

3. A statement that this matter is resolved and will not be re-reported again. 



I am submitting this as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and requesting that you re-transmit the corrected information to XXXX XXXX, and TransUnion. 



Thank you in advance for your swift action and attention to this matter. I appreciate the relationship Ive had with XXXX and trust that you will honor the decision already made in my favor. 



Sincerely, 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 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Account Southwest Credit System XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide certified mail with receipt displaying my signature. If not please delete account Southwest Credit Systems as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
I was texted on the weekend by XXXX XXXX and I did not authorize to be contacted via text. The threats and text communication is not welcomed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: Nelnet, Inc.
State: SC

Complaint narrative:
I learned of XXXX mysterious student loans dating back to 2009 totaling $ XXXX on my credit report. The credit bureaus couldn't help me so I contacted Nelnet. After several attempts to find these loans via my SS number, they eventually found them using some other personal information. They showed me as endorser of XXXXXXXX XXXX XXXXXXXX loans. I asked who the original borrower is and the full account number for these loans, but they refused to divulge this info, leaving me little to work with. 
How can I investigate further without this pertinent info? Isn't it my right to know this? I assume these loans are fraudulent and that I've been a victim of identity theft or fraud, unbeknownst to me for XXXX  years!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX 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 Incorrect Personal XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXXXXXX XXXX XXXX - Incorrect Personal XXXXXXXX XXXX XXXX XXXX XXXX  XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
On Monday, XX/XX/year>, I received an unsolicited text message from Southwest Credit Systems stating they were collecting a debt on behalf of XXXX for the amount of {$1000.00}. They offered to settle the account for {$510.00} and included a link to make a payment. I never gave this company permission to contact me via text message. On Friday, XX/XX/XXXX, I responded to the message and informed them that I had not consented to receive texts and that any communication about this matter must be sent by U.S. mail. I also requested that they validate the debt, citing my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and Californias Rosenthal Fair Debt Collection Practices Act ( Civil Code 1788 ). Despite this, they continued to send me text messages on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX with the same debt collection language, including personal financial details and the same settlement offer. I responded again and repeated my request that they stop texting and send validation by mail, but they ignored those requests. I have never received any written communication or validation of the debt through the postal service. These repeated messages violate federal and state consumer protection laws, and I am now filing a formal complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX Balance : {$4800.00}

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 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), Section 611. I am challenging the validity and accuracy of the XXXX XXXX XXXX account # XXXX currently listed as a charge-off on my credit reports. The account is inaccurately reported across Equifax, Experian, and TransUnion with conflicting statuses, dates, and incomplete payment history. The discrepancies include : Inconsistent last activity dates among bureaus. 
Inflated credit utilization ( 173 % ) reported inaccurately on a closed account. 
Conflicting notations : Account closed at consumers request vs Unpaid balance charged off by credit grantor. 
Lack of verifiable documentation from XXXX XXXX XXXX  to substantiate the current reporting. 
No clear history of attempts to validate the debt, as required under FCRA Section 609.

These errors constitute a violation of FCRA Sections 607 ( b ) and 611 ( a ), which require that all data furnished be accurate, complete, and verifiable. The continued reporting of this unverified derogatory item is causing ongoing harm to my creditworthiness.

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 2025-07-01 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: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
Upon purchasing an auto by loan on XX/XX/year> from XXXX ( Bridgecrest ). I had reserved the auto for possible purchase with a guarantee purchase tag amount of {$20000.00} but they placed the unpaid balance of cash price on contract as {$20000.00} after making a {$6600.00} down payment ( The unpaid balance should be minus what I paid down. Not full amount to be charged interest on money Ive already paid down. Also they refused to honor the 30 day warranty after going back several times the lot said there is nothing we can do multiple issues even had a current inspection with dry rotted tires ( shouldnt have passed inspection ( had it covered with XXXX XXXX ) I even contacted the dealer and they said they can not get the warranty company to pay them through silver rock and your auto could be tide up for months unless I was to pay out of pocket ( was left stranded in heat several times do to mechanical problems with key fob ( aftermarket product ) even paid a local place to try an reprogram the fob as recommended by XXXXXXXX XXXX XXXX XXXX XXXX stated they would not let them issue key fobs anymore to cut cost. Have had auto loan about a year and none of the payments have went towards principal amount. I called regarding this and they stated it was all interest caused by my large down payment. After one year of payments there is more owed than originally financed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I drafted a Fair Credit Reporting Act dispute letter to XXXX for unverifiable accounts, emphasizing their XXXX investigation obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Account Macys/Citibank NA am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide certified mail with receipt displaying my signature. If not please delete account Macys/Citibank NA as soon as possible from my report or I will have to take 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 2025-07-01 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 documented Identity Theft Victim whose SSN was utilized as a personal gain.. The unverified entry, which has severely damaged my reputation and directly results from identity theft, is as follows : A. XXXX  # XXXX : Balance {$34000.00} : Open Date : XX/XX/XXXX XXXX. XXXX XXXX : # XXXX. Balance : {$7000.00} : Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  : # XXXX. Balance : {$1800.00} : Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : # XXXX. Balance : {$420.00} : Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : # XXXX. Balance : {$520.00} : Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : # XXXX. Balance : {$400.00} : Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : # XXXX. Balance : {$400.00} : Open Date : XX/XX/XXXX As a documented victim of identity theft under Texas law, I have submitted a sworn affidavit along with supporting documents to prove that this account was created without my knowledge or consent. The ongoing reporting of this disputed entry blatantly violates several federal statutes, including the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), and the Electronic Signatures in Global and National Commerce Act ( E-SIGN Act ) ( 15 U.S.C. 7001 ). By failing to provide original, valid contracts or properly validated debt documentation, your reporting agencies violate the Texas Identity Theft Enforcement and Protection Act and the Uniform Commercial Code as adopted by the State of Texas. These laws mandate that no contractual obligation or security interest can be enforced without an authenticated, wet-ink signature evidencing express consumer consent.

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 2025-07-01 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: AR

Complaint narrative:
XXXX XXXX XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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