vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Dispute of Incorrect Addresses on Dear CRA I am writing to dispute inaccurate information on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. Upon reviewing my credit report, I identified several addresses listed that are incorrect and do not belong to me. These inaccuracies may negatively impact my creditworthiness and must be removed immediately. 
The following addresses are incorrectly listed on my credit report : XXXX. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Spring, TX XXXX I have never resided at or been associated with these addresses. The only name that should appear on my credit report is XXXX XXXX XXXX. I request that you investigate and remove these incorrect addresses from my credit report promptly. 
Under the FCRA, you are required to investigate disputed information within 30 days of receiving this letter ( 15 U.S.C. 1681i ( a ) ( 1 ) ). Additionally, the FDCPA requires that information reported to credit bureaus be accurate and verifiable ( 15 U.S.C. 1692e ). I demand that you correct these errors and provide me with an updated copy of my credit report once the investigation is complete. 
Please send written confirmation of the investigation results and the actions taken to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/2025, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX Social Security Number : XXXX Date of XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report. 
2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry I did not authorize that appears to result from fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent. 
Please remove the following inquiry :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
I've recently receives a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report, these remarks have been detrimental to my life and credit health.

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 2025-05-30 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: CA

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) ( 1 ) states : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c2, which requires credit reporting agencies to block information resulting from identity theft upon receipt of proper documentation. 

Despite submitting a dispute, including a Federal Trade Commission Identity theft report and identification, to the credit bureaus regarding a fraudulent Barclays Delaware Bank account and a XXXX hard inquiry that I did not authorize, the information remains on my credit report. 

Under the law, the credit bureaus are required to block such information within XXXX ( XXXX ) business days of receiving a valid identity theft report. Failure to do so is a violation of the FCRA. 

I respectfully request the CFPB to investigate this matter and ensure my rights under federal law are enforced. 

Thank you, 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 2025-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
on XX/XX/XXXX i put {$500.00} cash down on a XXXX XXXX XXXX with XXXX miles and financed the rest through bridgecrest. i was in distress and needed transportation when i reached out to bridgecrest. i wanted to trade in my previous vehicle and they refused the trade. instead they took the {$500.00} and put me into the car im reporting now. ive paid over {$10000.00} toward the loan but still owe over {$17000.00} because of high interest daily charges and constant fees. the car was previously a fleet and rental vehicle with over six different owners and had been sold through multiple auctions before i got it. i was briefly shown a XXXX  at XXXX but was rushed and didnt have time to read or understand what i was signing. none of the cars history or condition was fully explained the car has broken down on me multiple times to and from work in the two years ive had it. it spends more time in the shop than it does on the road and the engine light is on again right now. from day one the car had issues including three engine replacements axle repairs and electrical failures. even while it was under warranty the car was unreliable. i reported all the problems to both XXXX and bridgecrest and no one helped i drive 60 miles every day to and from work in this car even though i know it could break down at any time. i tried to trade it in and was told i couldnt unless i paid down the balance first which i cant afford because the balance keeps going up from fees and interest i scheduled a payment i couldnt afford and told bridgecrest ahead of time that the funds werent available. i asked them to cancel it and they refused saying it was already in the system. by the time i called back it had reversed and they charged me an nsf fee. i tried to do the right thing and they wouldnt work with me i asked for an extension due to financial hardship and upcoming XXXX. i offered to provide documents but they declined and told me i had already been given an extension in XXXX. i asked for help for XXXX XXXX and XXXX and they refused. my car was in the shop during that time and instead of helping they just added XXXX and XXXX payment to my balance making me look even further behind the loan is predatory. the car is now worth less than {$700.00} after a hit and run accident. its unsafe unreliable and draining me financially and mentally. ive paid more than enough already and im asking to be let out of this loan or offered real help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I immediately reached out to the credit bureaus because someone was attempting to obtain credit in my name. They refused to assist without a FTC report. My credit was run by 3 different credit card companies on the same day. An account was opened with XXXX XXXX in my name. The following inquiries were made. 

Transunion XXXX XXXX  ( finance ) - XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: OH

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate information that appears on my credit report and the failure of the credit reporting agency to conduct a proper investigation, in violation of the Fair Credit Reporting Act ( FCRA ). 

I identified the following inaccurate information on my credit report from Equifax/Experian/TransUnion , documents . attached

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 2025-05-30 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: OH

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate information that appears on my credit report and the failure of the credit reporting agency to conduct a proper investigation, in violation of the Fair Credit Reporting Act ( FCRA ). 

I identified the following inaccurate information on my credit report from Equifax/Experian/TransUnion , documents . attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings
State: TX

Complaint narrative:
Subject : Request for Debt Validation Dear Zion Debt Holdings I am writing to address my concerns regarding the validity of the debt referenced in your recent communication. It is important to clarify that a breakdown of changes to the account does not constitute validation of the debt itself. I am requesting a thorough itemization that provides clear evidence that the debt is indeed mine and meets the requirements on Privacy Policy. 

To facilitate this process, I require the following documentation : XXXX XXXX XXXX Date of First Activity * * : The date the account was initially opened or the debt originated.

2. * * Date of Last Activity * * : The most recent date of any transaction or communication regarding this debt.

3. * * Date of Last Payment * * : The date on which the last payment was made towards the debt.

4. * * Account Number * * : The specific account number associated with the debt in question.

5. * * Current Account Balance * * : The total amount owed as of the date of this letter.

6. * * Status of the Account * * : A clear indication of whether the account is active, closed, disputed, etc.

7. * * Chain of Command or Custody * * : Documentation proving the ownership and transfer of the debt, including any assignments or sales.

8. * * Proof of Ownership * * : Evidence that your organization currently owns the debt and has the right to collect on it.

9. * * Proof of Collection Rights * * : Documentation that demonstrates your authority to collect on this debt.

10. * * Copies of Signatures * * : Signed agreements from all parties involved in the original transaction and any subsequent assignments. Also 15 U.S.C. 1692e because they have no surety bond in Texas and this alleged debt is not mine and needs to be removed for trying to collect on a potentially fraudulent debt.

Providing the aforementioned information will help establish the validity of the debt and clarify my obligations. Please respond at your earliest convenience, as I believe it is in both our interests to resolve this matter promptly.

Thank you for your attention to this issue. I look forward to your timely response. 

Sincerely,

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2025-05-30 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: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2025-05-30 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: GA

Complaint narrative:
I disputed my credit report 3 times with a 2 month period with the same result. They ignore legal docs and my position : affidavits, executor letters, confirmation letter that is proof of remittance coupon/ securities received by the Department of Treasury XXXX letter stating of the auditing of each company, and dont do a full investigation. They rely only on info from the furnisher, not what I submit. This violates the FCRA and UCCconsumers deserve fair review, not rubber-stamped responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: GA

Complaint narrative:
I disputed my credit report 3 times with a 2 month period with the same result. They ignore legal docs and my position : affidavits, executor letters, confirmation letter that is proof of remittance coupon/ securities received by the Department of Treasury XXXX letter stating of the auditing of each company, and dont do a full investigation. They rely only on info from the furnisher, not what I submit. This violates the FCRA and UCCconsumers deserve fair review, not rubber-stamped responses.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXX, XXXX XXXX Georgia XXXX XXXX XXXX XXXX  ] XXXX XX/XX/XXXX To : TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : Notice and Demand to Remove Dismissed Bankruptcy Record Chapter XXXX Case # : XXXX / XXXX Filing Date : XX/XX/XXXX | Closing Date : XX/XX/XXXX U.S. Bankruptcy XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX ) Peace and Notice to Agent is Notice to Principal, I, XXXX XXXX XXXX XXXX, a living man, XXXX XXXX XXXX, standing In XXXX XXXX XXXX XXXX a corporate fictiondo hereby give formal Notice and Demand for the immediate removal of the dismissed Chapter XXXX bankruptcy entry from my consumer reports, currently reflected by your respective bureaus. 

This matter concerns a bankruptcy petition that was dismissed without adjudication, without discharge, and without the court administering any estate or financial account. The record, as reported by you, reflects the following : * {$0.00} in liabilities, assets, and exempt amounts * Status : Dismissed * Court : XXXX Bankruptcy XXXX GA XXXX * Closing Date : XX/XX/XXXX This record is factually inaccurate, misleading, and materially harmful, as there is no open or active bankruptcy, and no adjudication of financial insolvency. Continued reporting constitutes a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including but not limited to : * 1681c ( a ) : Obsolete information must be excluded from the file.

* 1681i : Failure to correct inaccurate or unverifiable information.

Moreover, as one who stands under exclusive equity jurisdiction, I assert that no bankruptcy estate was ever created, and equity requires this account be set aside, vacated, and expunged from my reports. The legal presumption of indebtedness is hereby rebutted. 

DEMAND FOR REMEDY : I demand that this record be permanently removed from all credit reporting databases maintained, published, or shared by your organization. I further demand written confirmation within XXXX calendar days that this account has been deleted. 

Should you fail to comply, I reserve the right to seek remedy through lawful process, including notices of claim, affidavits of fact, administrative remedy, and XXXX XXXX for XXXX XXXX XXXX and credit. 

Let the record reflect : XXXX XXXX XXXX XXXX XXXX XXXX  subject to 28 U.S.C. 3002 ( 15 ), but a private national of the XXXX XXXX XXXX, standing on treaty law, equity, and natural right. 

With All Due Respect, Without Prejudice, UCC 1-308.

Sovereign Free Moorish American National Status Reserved. 

By : XXXX XXXX XXXX XXXX In Propria Persona, XXXX XXXX All Rights Reserved XXXX XXXX [ XXXX XXXXXXXX ]

Company response to consumer: Closed with explanation