vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: NE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> Equifax XXXX. XXXX XXXX XXXX, XXXX, GA XXXX Subject : Request to Correct Personal Information on My Credit Report Pursuant to the FCRA Dear Sir or Madam, I am writing to you pursuant to the Fair Credit Reporting Act ( FCRA ) to request correction of inaccurate personal information on my credit report. 

Below, I detail the errors I have identified : XXXX. Incorrect name : My current legal name is XXXX XXXX XXXX XXXX, but she is registered as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I kindly request that my name be updated to the correct version. 

XXXX. Obsolete address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, while my report lists an outdated address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX. Please update my address accordingly. 

XXXX. Incorrect contact information : The phone number listed, XXXX, is no longer in use. I request that it be replaced by my current phone number : XXXX. 

Copies of the following documents are attached in support of my application : A copy of my driver 's license or passport that verifies my correct name. 

A recent utility bill or bank statement showing my current address. 

An official document ( such as a phone bill ) that verifies my current contact number. 

I respectfully request that you research and correct the information described in my credit report. In addition, please provide me with written confirmation once these updates have been made, along with an updated copy of my credit report. 

Thank you in advance for your prompt attention and cooperation in resolving this matter. 

Sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : Under XXXX U.S.C. XXXX ( XXXX ), a consumer reporting agency XXXX only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : 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  ( a ) ( XXXX ) Pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ), no consumer reporting agency XXXX make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX. Right to Privacy Section XXXX ( A ) of the FCRA The FCRA, under Section XXXX ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information XXXX XXXX XXXX ( a ) ( XXXX ) Furthermore, under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to XXXX ( a ) ( XXXX ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I opened up an Citibank account last year and funds was sent to me right away for a job that Ive completed, but once the funds was send and I tried to withdraw a low amount an fund alert was put on my account and I was unable to log back into my bank account on my phone and unable to use my funds. Ive been calling for almost a year now and no one has yet to help me I have about XXXX $ inside of my account I tried to give it time for someone to reach out with an reference number that was supposed to be sent in the mail but nothing never came for me. Im just needing this issue to be resolved!!!!!

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 2025-07-03 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: ND

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-03 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: NY

Complaint narrative:
Suggested text ( in XXXX ) : On XX/XX/year>, I sent a written debt validation request to XXXX XXXX XXXX XXXX XXXX, the company reporting a debt originally from XXXX  XXXX XXXX for approximately {$600.00}. On XX/XX/year>, I received a response from XXXX, but it did not include any legally required documentation under the Fair Debt Collection Practices Act ( FDCPA ). 

They failed to provide a copy of the original signed agreement, a detailed breakdown of the amount owed, or any proof that this debt actually belongs to me. Therefore, the account remains unverified and disputed. 

Despite this, the debt continues to appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( b ), the credit bureau must delete or correct information that can not be verified. Reporting a disputed and unvalidated account is inaccurate and damaging to my credit profile. 

I am requesting that this unverified account be removed from my credit report immediately.

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 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

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 2025-07-03 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 XXXX XXXX, Consumer Social Security Number XXXX XXXX XXXX, XXXX XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA $ 605B ( 15 U.S.C. 6 1681c-2 ) that you the TransUnion, Experian, Equifax credit reporting agencies, 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 a car loan at XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, and XXXX XXXX  account number XXXX. These accounts have resulted in several fraudulent accounts appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts consumer credit report maintained by you were not opened, made, or initiated by me. I have attached a copy of FTC Identity Theft Criminal Complaint.

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 2025-07-03 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: FL

Complaint narrative:
I XXXX XXXX, Consumer Social Security Number XXXX XXXX XXXX, XXXX XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA $ 605B ( 15 U.S.C. 6 1681c-2 ) that you the TransUnion, Experian, Equifax credit reporting agencies, 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 a car loan at XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, and XXXX XXXX  account number XXXX. These accounts have resulted in several fraudulent accounts appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts consumer credit report maintained by you were not opened, made, or initiated by me. I have attached a copy of FTC Identity Theft Criminal Complaint.

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 2025-07-03 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: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma, LLC
State: MO

Complaint narrative:
Credit Karma has been showing incorrect information on my credit report. I also was pre approved for things and when I would apply I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NY

Complaint narrative:
I am filing a complaint against Experian, Equifax, and Transunion for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Experian, Equifax, and Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian, Equifax, and Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian, Equifax, and Transunion complies with federal law and provides consumers with the necessary proof of investigation. I XXXX XXXX, a consumer, am notifying you that I dispute these alleged debts pursuant to 15 USC 1692G. I request that you provide to me verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths and statements of the facts of the matter, have first hand knowledge and must be notarized. Since this debt is disputed through the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with Experian, Equifax, and Transunion. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I did not consent to you having my personal and private information. This constitutes aggravated identity theft. I also did not consent to you reporting information in my name to the consumer reporting agencies. Pursuant to 18 USC 8, I owe no debt. These companies are violating my consumer right to privacy pursuant to 15 USC 1681b 2. These companies also have NO permission to report ANYTHING using my info pursuant to 15USC1681 4. These are the accounts that I've marked as inaccurate and need to be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-07-03 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: MA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: OK

Complaint narrative:
Please remove the items that is listed in the police report due to identity fraud. Please update my report with current information. Also please send me an updated credit report once this has been resolved. Attached to this complaint is a copy of my police 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 2025-07-03 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: NY

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

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Dispute of Inaccurate Credit Reporting by Experian Violation of 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) Dear CFPB Representative, I am submitting a formal complaint concerning erroneous and harmful credit reporting by Experian related to my auto loan account with XXXX XXXX XXXX Account Nature of the Error Experian 's report indicates : - Account status : Open. Deferred, payments begin XX/XX/XXXX. 
- Comment : Affected by natural or declared disaster ( i.e., payment deferment started in XX/XX/XXXX ). 

However, the payment history incorrectly shows late payments ( red circles ) for multiple months from XX/XX/XXXX through XXXX XXXX a period when no payments were due. This directly contradicts the reported deferment status. 
Legal Basis for Dispute This misreporting : 1. Falsely harms my credit standing.

2. Violates the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i ( a ) ( 2 ) ( A ). Under this statute, credit bureaus must : - Forward any consumer dispute to the furnisher ( in this case, XXXX XXXX XXXX XXXX, and- Conduct a reasonable reinvestigation, updating or removing inaccurate data. 
I have already disputed these inaccuracies with Experian, but they have not corrected the record and have not provided any reinvestigation documentation or submitted my dispute to the furnisher as required. 

Enclosures - Screenshots of Experian report showing deferment status and contradictory payment history. 
- Copy of my original dispute ( if available ). 
Thank you for your prompt attention. Please let me know if any additional documentation is needed.

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 2025-07-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
I have a loan with Bridgecrest for a XXXX  XXXX XXXX XXXX. Despite consistent and early payments, my account balance remains unusually high and does not reflect the correct principal reductions. Ive been charged interest and fees that are not clearly broken down or explained. 

I also noticed they are reporting negative information on my credit despite my payments being ahead of schedule. Their lack of transparency and confusing payoff structure makes it difficult to manage the loan properly, and I feel misled about the actual loan terms. 


Additionally, I believe their loan practices may fall under predatory lending and would like a review of their licensing and compliance history.

Company response to consumer: Closed with explanation