vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : $ XXXX XXXXXXXX XXXX XXXXXXXX * * * * Balance : {$3100.00} Date Opened : XX/XX/XXXX XXXX  XXXX * * * * Balance : {$3100.00} Date Opened : XX/XX/XXXX XXXX  XXXX * * * * Balance : {$470.00} Date Opened : XX/XX/XXXX XXXX XXXX * * * * Balance : {$1100.00} Date Opened : XX/XX/XXXX XXXX  XXXX * * * * Balance : {$1800.00} Date Opened : XX/XX/XXXX XXXX  XXXX * * * * Balance : {$2000.00} Date Opened : XX/XX/XXXX XXXX  XXXX * * * * Balance : {$640.00} Date Opened : XX/XX/XXXX XXXX  XXXX * * * * Balance : {$1400.00} Date Opened : XX/XX/XXXX XXXX XXXX * * * * Balance : {$1100.00} Date Opened : XX/XX/XXXX XXXX  XXXX * * * * Balance : {$4600.00} Date Opened : XX/XX/XXXX XXXX  XXXX * * * * Balance : {$2000.00} Date Opened : XX/XX/XXXX XXXX  XXXX * * * * Balance : {$2200.00} Date Opened : XX/XX/XXXX XXXX  XXXX * * * * Balance : {$2000.00} Date Opened : XX/XX/XXXX XXXX  XXXX * * Balance : {$0.00} XXXX XXXX XXXXXXXX * * * * Balance : {$7500.00} XXXX  XXXX * * * * Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX * * * * XXXX : {$22000.00} Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-17 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: TX

Complaint narrative:
Dear Experian Legal and Dispute Department, This letter serves as both a formal dispute and Pre-Arbitration Notice regarding your repeated failure to correct and remove inaccurate information reported by SameDay Auto Finance on my credit report, despite eight ( 8 ) previous disputes, including the latest reinvestigation in XX/XX/XXXX. 

The attached documentation includes : A Notice of Repossession and Private Sale dated XX/XX/XXXX, which specifies that the vehicle was to be sold after XX/XX/XXXX. 
A Notice of Sale and Deficiency dated XX/XX/XXXX, listing the sale price, deficiency amount, and related fees. 
A current credit report excerpt showing inaccurate payment history, false repossession notations for XX/XX/XXXX, and balances that do not match documented deficiency notices. 
A comment indicating the dispute was completed despite substantial inaccuracies and no accurate validation from the furnisher. 

Violations 1. 15 U.S. Code 1681i ( a ) You failed to perform a reasonable reinvestigation of disputed information.

2. 15 U.S. Code 1681e ( b ) You failed to ensure maximum possible accuracy.

3. 15 U.S. Code 1681s-2 ( b ) After receiving notice of a dispute from a consumer reporting agency, you failed to delete or modify inaccurate information.

4. 15 U.S. Code 1692e ( 8 ) ( FDCPA ) Communicating credit information known or which should be known to be false. 
5. FTC Guidelines Require that once an account is transferred, sold, or satisfied, the tradeline must reflect accurate closure and balance information. 

Despite multiple notices that this account was resolved with a deficiency balance and no repossession after XX/XX/XXXX, your agency is still reflecting false repossession dates in XXXX and XXXX, which is inaccurate and materially damaging to my credit profile. 

Pre-Arbitration Notice This letter serves as my formal notice of intent to file arbitration under the Fair Credit Reporting Act and FDCPA should Experian fail to comply within XXXX calendar days of receipt of this notice. If resolution is not reached, I will seek legal and financial relief through arbitration and notify the Consumer Financial Protection Bureau ( CFPB ), FTC, and Texas Attorney Generals Office. 

Please govern yourselves accordingly. 

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 2025-05-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : Items Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Solution I need your assistance regarding this issue I am facing with the credit Bureaus. Failure to comply within the mandated timeframe will be considered willful noncompliance, exposing Credit Bureaus to legal liability. I will take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and State Attorney Generals Office, as well as pursuing civil litigation for damages under 15 U.S. Code 1681n and 1681o. This is not an error, nor is it a material misrepresentationit is a legal demand for compliance under federal law. Immediate action is required. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: United First, LLC
State: IN

Complaint narrative:
United First are a predatory lender. They reached out to me offering their predatory loans but when they discovered that I already had gotten involved in predatory lending they said they could do a reverse. They would send me {$7100.00} and then they would pull {$5400.00}. Eventually they would negotiate the other predatory loans. What happened is that along the way they quit providing the {$7100.00} so I stopped payment on the {$5400.00} as it was completely unsustainable and they had stopped their part of the bargain. The net amount they funded me was {$3200.00}. 
These predators claim that I owe them {$170000.00} from my receivables even though they stopped their payments first they still wanted to pull {$5400.00} every week for doing nothing whatsoever. 
If this is not illegal then it needs to be as they are destroying small business nationwide along with the majority of the " debt settlement '' companies that do the MCAs which should also be regulated as many of them are putting small business into situations that will completely destroy the business.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Account XXXX XXXX XXXX  # XXXX * * * I'm unaware of this debt and I 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 # XXXX * * * as soon as possible from my report or I will have to take legal action. 

According to the Fair Credit Reporting Act FCRA Section 605B it is illegal to report information on my credit report without my permission. Please remove this item 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 explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
NOTICE OF CONTINUED DISPUTE AND NON-CONSENT TO ASSIGNMENT Date : XX/XX/XXXX From : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Non-Domestic / Without the United States To : Bridgecrest Credit Company , LLC Compliance Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : Continued Dispute of Alleged Debt XXXX XXXX XXXX ( VIN XXXX ) Dear Compliance Officer, I write as Trustee of the XXXX XXXX XXXX Living Trust ( the Trust ) to formally continue my dispute of any alleged obligation under the Retail Installment Contract for the above-referenced vehicle. This Notice supplements and extends all prior commercial notices and demands, including your lack of response to the Final Demand to Cure dated XX/XX/XXXX, which remains unrebutted. 

XXXX. Ongoing Non-Performance and Default The vehicle remains out of Trust possession and under extended warranty repair with no projected completion date. 
Despite multiple Notices of Default and your subsequent silence, you have not cured the breach, respond to lawful demands, or provided a settlement. 

XXXX. Dispute of Validity & Non-Consent to Assignment The Trust disclaims any valid debt obligation due to failure of consideration, fraud in the inducement, and material breach. 
No written consent was given for any assignment, transfer, or securitization of the contract. Any such purported assignment is null and void. 

XXXX. Reservation of Enforcement Rights The Trust hereby reserves all remedies, including but not limited to : Filing a UCC-1 Financing Statement securing {$39000.00} in damages, Initiating lien and setoff actions under UCC 9-607 and 3-305, Commencing civil litigation for breach of contract, fraud, and emotional distress, and Reporting this matter to regulatory bodies ( CFPB, Michigan AG, FTC ).

4. Prohibition on Collection and Reporting Until this dispute is fully resolved to the Trusts satisfaction, any attempt to collect, report, or enforce the alleged debt will constitute a willful violation of : FDCPA, 15 U.S.C. 1692e, 1692f ( unfair and deceptive practices ), and Michigan Consumer Protection Act, MCL 445.903 ( 1 ) ( r ) ( unconscionable business practices ).

Notice to Agent is Notice to Principal.

Notice to Principal is Notice to Agent.

All Rights Reserved, Without Prejudice, UCC 1-308. 

Respectfully submitted, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am a potential victim of willful noncompliance and fraudulent reporting from all three credit reporting agenciesEquifax, XXXX XXXX XXXXregarding the reporting of XXXX XXXX XXXX, account number XXXX. Upon review of my credit reports, I discovered materially inconsistent data in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, Equifax reports the account as closed on XX/XX/XXXX, while TransUnion reports it closed on XX/XX/XXXX, and Experian fails to clearly report a closure date while continuing to display a delinquent past due balance in XXXX XXXX after the account was supposedly closed. These conflicting closures and payment dates ( XX/XX/XXXX vs. XX/XX/XXXX ), discrepancies in charge-off remarks ( Charged off, Profit and Loss Write-Off ), and conflicting delinquency status ( ranging from 30 to 150+ days late across bureaus ) all represent violations of FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ) ( A ), and 623 ( a ) ( 5 ).

Additionally, I cite the following legal precedents and admissions of wrongdoing : the TransUnion LLC settlement in XXXX XXXX XXXX XXXX XXXX TransUnion, which involved systemic FCRA violations and deceptive reporting practices ; the XXXX  Data Breach Settlement admitting to negligence and regulatory violations affecting millions of consumers ; and the Equifax XXXX Class Action Settlement, which acknowledged failure to safeguard and report accurate credit data. The continued publication of this inaccurate informationdespite formal disputeshas caused measurable harm to my creditworthiness and represents a pattern of willful, reckless disregard for consumer protections under federal law. I intend to pursue full statutory damages and relief through arbitration or litigation if these errors are not corrected.

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 2025-05-17 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - XXXX Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/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 2025-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against ONLINE INFORMATION SERVI regarding an account I have with them XXXX * * * *. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : ONLINE IN SV ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$490.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with ONLINE INFORMATION SERVI but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: NC

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information in Credit Report Pursuant to FCRA 602, 609, 611, and 623 Dear [ Credit Bureau/CFPB Representative ], I am writing to formally dispute inaccurate, outdated, and unverifiable information currently listed on my credit report. As provided under the Fair Credit Reporting Act ( FCRA ), including 602, 609 ( a ), 611 ( a ), and 623 ( b ), I am exercising my right to request the deletion or correction of any incorrect information.

Problem Overview After reviewing my credit reports from the XXXX  major credit bureaus, I have identified multiple errors negatively affecting my credit profile, including : Unauthorized names and employers listed under my identity Derogatory accounts that are inaccurate, outdated, or not mine Hard inquiries I did not authorize or recognize These inaccuracies have significantly impacted my credit score and financial reputation. It is essential that my file be corrected to ensure fair and accurate reporting as outlined in the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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:
Subject : Formal Dispute of Inaccurate Information in Credit Report Pursuant to FCRA 602, 609, 611, and 623 Dear [ Credit Bureau/CFPB Representative ], I am writing to formally dispute inaccurate, outdated, and unverifiable information currently listed on my credit report. As provided under the Fair Credit Reporting Act ( FCRA ), including 602, 609 ( a ), 611 ( a ), and 623 ( b ), I am exercising my right to request the deletion or correction of any incorrect information.

Problem Overview After reviewing my credit reports from the XXXX  major credit bureaus, I have identified multiple errors negatively affecting my credit profile, including : Unauthorized names and employers listed under my identity Derogatory accounts that are inaccurate, outdated, or not mine Hard inquiries I did not authorize or recognize These inaccuracies have significantly impacted my credit score and financial reputation. It is essential that my file be corrected to ensure fair and accurate reporting as outlined in 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 explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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