vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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 am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: LA

Complaint narrative:
I would like to challenge the legitimacy of a hard inquiry on my credit report. I have not initiated any credit-related activity during the period in question. The presence of this inquiry is erroneous and should be removed promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: MD

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 non-monetary relief
Consumer complaint received 2025-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally disputing inaccurate, unverifiable, and incomplete information you are reporting in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Metro 2 Compliance standards which you are federally obligated to follow.

You are reporting data that is factually incorrect and not fully verified as required under 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ), 1681e ( b ) ( Maximum Possible Accuracy ), and Metro 2 data furnishing guidelines.

The following items are being challenged : Accounts XXXX  - XXXX Collections XXXX - XXXX Personal Information Incorrect Previous Address : XXXX XXXX XXXX, XXXX, NY XXXX You are hereby required to : Provide complete, verifiable, original documentation with my signature proving the accuracy, ownership, and legal reporting authority for each item listed above. 

Provide documented proof that these accounts and records were furnished under proper permissible purpose ( 15 U.S.C. 1681b ).

Certify full Metro 2 compliance, including synchronization of all data fields, accurate reporting dates, and consistency across all CRAs.

Failure to fully validate within 30 days constitutes willful noncompliance under 15 U.S.C. 1681n and 1681o, subjecting you to further legal action.

If you can not fully validate these records, you are required to PERMANENTLY DELETE all disputed information and provide me with an updated credit report reflecting these corrections. Send written confirmation via physical mail.

Be advised that failure to comply will result in immediate complaints filed with the CFPB, FTC, and my State Attorney General.

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 2025-06-19 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: TX

Complaint narrative:
Equifax failed to do a thorough, and properly investigation : into my ongoing existence issues/matters, involving and surrounding my credit report info! For the XXXX and fiftieth times, you can't make a consumer 's credit report be something its not! They've the tendency of presenting and displaying one thing under their personal platform, and something totally different on their third-party vendor platform ( XXXX XXXX )! What's Up with this??? Both themselves, and their third-party vendor should be : in alignment, and agreement with each other, when it comes to my credit report, to avoid unnnecessary mistakes, errors, harm, and damage control to my credit report/scores! The following creditors, debt buyers, or collection agencies info stills needs attention, and be rectified ; either under their platform or third-party vendor ( XXXX XXXX ) ones! XXXXXXXX XXXX XXXX XXXXXXXX, & XXXX XXXX, XXXX ( Only listed on XXXX XXXX platform )! In addition to this matter, my personal info needs attention, and adjustments ; former employers are XXXX, XXXX ( last place of employment ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX of XXXX, and XXXX XXXX, Phone ( XXXX ). For the record, I'm a judgment proof debtor/consumer! My legal counsel/representatives has already sent out, and informed the above parties mentioned the following : letting them know about my inability to pay, no obligation to pay, income protection, and cease/desist letters insisting, and recommending that they stop ; any/all collections activities, and attempts of any kinds, to collect on debts that's deemed uncollectable/unenforceable! My credit report should always reflect, my judgment proof status, and be incorporated into my report as well!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have contacted this bank on several occasions. Emails before XX/XX/25. I left a message and never returned a call back. They then tell me there was no message in their system which is not true. 
Phones calls prior to this date and put on hold for long periods of time then told it was with another department and again put on hold for a long time. Each department verifying my identity when I already did so. Repeated information is wasting time and annoying. My account was closed and suspended without any explanation. It showed my money being transferred back to my bank account but was never done. I want my money back immediately. 
Im noticing they have deleted everything from my account showing no record of my account. 
Provided address for them. Never received anything from them in the mail Attached my bank information showing the withdrawal to Ally

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 2025-06-19 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:
Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX Date : XX/XX/year>

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 2025-06-19 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: FL

Complaint narrative:
I am writing to request the removal of fraudulent information from my credit report, as I am a victim of identity theft. Several accounts and inquiries listed are unauthorized and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), please block and remove these fraudulent items. I have attached an FTC Identity Theft Report along with a list of the disputed accounts.

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 2025-06-19 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: FL

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. 


XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
Consumer Financial Protection BureauXXXX. XXXX XXXX, DC XXXX Subject : Formal Complaint Inaccurate Repossession Reporting on Credit Report Dear CFPB Representative, I am writing to formally file a complaint regarding an inaccurate or unfair repossession account being reported on my credit report. I believe this reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) and possibly the Fair Debt Collection Practices Act ( FDCPA ). 

The details of the account in question are as follows : Creditor/Lender Name : BRIDGECREST CREDIT Credit Bureaus Reporting the Account : XXXX XXXX XXXX Nature of the Complaint : The repossession is being inaccurately reported as involuntary, when in fact it was a voluntary surrender. 
I never received proper notification prior to the repossession, violating required consumer notice guidelines. 

The repossession listing is causing significant harm to my creditworthiness and does not reflect the full context of my financial situation. 

I have attempted to resolve this matter directly with the creditor and through the credit bureaus without success. I am requesting that the CFPB investigate this issue and require the creditor and/or credit reporting agencies to correct or remove the repossession entry if it can not be fully substantiated. 

I respectfully request that the CFPB review this matter and take appropriate action to ensure compliance with federal credit reporting laws. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capitol Systems stated I owe money for a XXXX Account ; however, this is not my charges. I do not owe them anything. I had these charges previously lodged against me in mid 2022. I disputed these charges and it was removed because they realized it did not belong to me. When I saw the charges again, I complained to Jefferson Capitol. With my SSN, they confirmed they did not find any account ; however, I disputed these charges with Experian and Jefferson claims it belongs to me. I do not owe them anything. The addresses are not the same, SSN, is not the same, yet they want to try to charge me for something that is not mine. I am tired of this and need help. I am done trying to deal with this issue on my own and need help. 

I want to sue this company for the stress and XXXX they are putting me through!!! XXXX time.... it's getting old and I do not want someone else 's irresponsibility put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2025-06-19 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:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A man came to my door on XX/XX/year> claiming he had a delivery for me. Instead he handed me a stack of papers that looked like a legal document from the " XXXX XXXX XXXX XXXX XXXX of XXXX York. '' It was laid out like a legal document or summons of some kind, but didn't have any contact information other than the " attorney 's for plaintiff '' contact information which was XXXX XXXX XXXX XXXX XXXX. Nowhere to show up to a court hearing or anything like that. It also said that if I don't answer judgement will be taken against me by default. 

I read through the documents and it didn't seem right for a real legal summons and then I noticed in small letters on the bottom of the first page where it said it was a communication from a debt collector. It was not a real court summons. Also, the debt in question as far as I know was charged-off by the company ( Capital One ) because I was laid off from work for a year. So I don't even think this is a debt that I actually owe anymore. 

Either way, it is very intimidating to send a strange man to the door of a XXXX  XXXX XXXX  to collect a debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NV

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: NJ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-19 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: Credit Karma, LLC
State: PA

Complaint narrative:
I was told from credit karma that my XXXX XXXX will not be hurt and the company will look at my report from credit karma.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
Upon careful review of my credit report, Ive noticed a hard inquiry that I did not initiate. I take these matters seriously and am requesting its immediate removal. No credit was applied for, and no authorization was granted for this inquiry.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a survivor of human trafficking, and throughout my exploitation, my personal and financial information was utilized without my permission. Consequently, fraudulent accounts and debts were established under my name. I respectfully ask that you consider this context while reviewing my credit report and take appropriate actions to correct any inaccuracies or fraudulent activities. I have included documentation from pertinent authorities and organizations that can confirm my circumstances.

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