vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I reached out to XXXX  XXXX in XXXX Illinois on XX/XX/XXXX to purchase a vehicle from their dealership, they told that I was pre approved for a new vehicle, they also said that I had two months before my first payment was due, My wife and I arrived at the dealership which was miles from where we live, we waited for six to seven hours for the approval only to be approved for XXXX XXXX XXXX with minor damage to the passenger front side of the with problems with the transmission and acceleration of the vehicle. The company that approved the loan was Bridgecrest XXXX XXXX and when signing the application and contract we were told that we had 60 days from the day it was purchased, I received my first call from Bridgecrest on XX/XX/XXXX requesting a payment of XXXX and I was told that it was a Interest loan that became due on XX/XX/XXXX and if I did not make a payment that I would be considered for repossession. Since we got the car, we have heard and researched some bad business practices by Bridgecrest, when speaking with the debt collector I was told that Bridgecrest is a paperless company when I expressed that I wanted to receive a paper bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: AZ

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from my credit report.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly remove these unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under USC 1681g, I am requesting their deletion within 15 days. Relevant documents are enclosed.

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 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

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 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 2025-08-22 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:
Having always met my payment obligations on time, I find it troubling to see a late payment recorded on my account. This error is causing undue stress, and I urge you to address it immediately by correcting my records.

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 2025-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Central Research Inc
State: AL

Complaint narrative:
I have a problem with my auto loan, i ask to XXXX to voluntary to come and get my car they never did i ask could i set ups. Payment plan but they never wanted to give me however they still never came and got the car until almost 5 months later, when the car was repossessed they ask could i pay the whole XXXX in full to get the car back. 


My student loan Ive been trying to lower the payment plans as well as trying to get it forgive

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Dear Sir/Madam : I have written multiple checks and unfortunately, Wells Fargo Bank Refuses to provide me with the digital image of the check, so I can prove to the creditor that the check was negotiated. Instead, Wells Fargo Bank sent me a copy of my bank statement. Wells Fargo Bank has no problem with taking the funds from my checking account to satisfy the check. According to the " Check 21 Act '', Wells Fargo Bank should at least/minimum, provide me with a digital front and back copy of the negotiated check so I can prove to the creditors, that the check was negotiated. I am requesting the front and back digital images of check numbers, XXXX, XXXX, XXXX, XXXX, XXXX, and check number XXXX. 
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 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Cease and Desist Request Under 15 U.S. Code 1692c ( c ) Account Number : [ Insert Account Number, if available ] To Whom It May Concern, This letter is a formal request for you to cease and desist all communication with me regarding the above-referenced collection account. This demand is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ). 

Under this law, once a consumer notifies a debt collector in writing that they wish all communication to cease, the collector must stop all further contact except to confirm that collection efforts are being terminated or to notify of specific legal actions to be taken. I am exercising that right now. 

Furthermore, I dispute the validity and accuracy of the alleged debt and demand that no further reporting be made to any credit reporting agency until full validation of the debt is provided as required by law. If you are unable to verify the debt, you must remove it from any reporting and cease any collection activity. 

Please consider this notice your final warning. Continued communication or misreporting may result in complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action to protect my rights under federal law. 

Thank you for your prompt attention to this matter. I expect writte confirmation that this account has been closed and no further contact will be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: LA

Complaint narrative:
1. The account is being reported as having a missed/late payment in XX/XX/2025. 
This is factually impossible, as the loan modification agreement clearly states that the effective date and first payment due date was XX/XX/2025. 
In fact, I made my first payment early, on XX/XX/2025, followed by the next on XX/XX/2025. 
2. Reporting a missed payment in XX/XX/2025 is erroneous, because at that time : The modification had not yet taken effect. 
No contractual payment obligation existed prior to XX/XX/2025. 
The servicer had explicitly set the first due date as XX/XX/2025. 
3. Additionally, subsequent satisfactory payments are not being reported properly, which further misrepresents my account standing. 

1. The account is being reported as having a missed/late payment in XX/XX/2025. 
This is factually impossible, as the loan modification agreement clearly states that the effective date and first payment due date was XX/XX/2025. 
In fact, I made my first payment early, on XX/XX/2025, followed by the next on XX/XX/2025. 
2. Reporting a missed payment in XX/XX/2025 is erroneous, because at that time : The modification had not yet taken effect. 
No contractual payment obligation existed prior to XX/XX/2025. 
The servicer had explicitly set the first due date as XX/XX/2025. 
3. Additionally, subsequent satisfactory payments are not being reported properly, which further misrepresents my account standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: LA

Complaint narrative:
1. The account is being reported as having a missed/late payment in XX/XX/2025. 
This is factually impossible, as the loan modification agreement clearly states that the effective date and first payment due date was XX/XX/2025. 
In fact, I made my first payment early, on XX/XX/2025, followed by the next on XX/XX/2025. 
2. Reporting a missed payment in XX/XX/2025 is erroneous, because at that time : The modification had not yet taken effect. 
No contractual payment obligation existed prior to XX/XX/2025. 
The servicer had explicitly set the first due date as XX/XX/2025. 
3. Additionally, subsequent satisfactory payments are not being reported properly, which further misrepresents my account standing. 

1. The account is being reported as having a missed/late payment in XX/XX/2025. 
This is factually impossible, as the loan modification agreement clearly states that the effective date and first payment due date was XX/XX/2025. 
In fact, I made my first payment early, on XX/XX/2025, followed by the next on XX/XX/2025. 
2. Reporting a missed payment in XX/XX/2025 is erroneous, because at that time : The modification had not yet taken effect. 
No contractual payment obligation existed prior to XX/XX/2025. 
The servicer had explicitly set the first due date as XX/XX/2025. 
3. Additionally, subsequent satisfactory payments are not being reported properly, which further misrepresents my account standing.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are several accounts on my credit report that are reporting negative and inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: GA

Complaint narrative:
There are several accounts on my credit report that are reporting negative and inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I open a wireless account with XXXX got a phone wasn't happy with phone return about a week later before return time was over they say I didn't return on time now they sending me a bill .collection was Pinnacle credit now it's gone to Resurgent.this was back in XXXX  XX/XX/XXXX .. Pinnacle credit service.Reference ID XXXX .. balance {$1200.00}...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-08-22 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: CA

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-08-22 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: TN

Complaint narrative:
I Have negative accounts that does not belong to me see attachments

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 2025-08-22 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: TN

Complaint narrative:
I Have negative accounts that does not belong to me see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
I formally dispute entries connected with accounts opened without my consent. Please conduct a meticulous investigation and expunge them. Enclosures are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am requesting the deletion of these unauthorized accounts from my credit report. I did not approve their opening, nor was I informed about them. In line with USC 1681g, please remove them within 15 days. Supporting records are attached for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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