vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: FL

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 do 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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Its a company card. The company card terms were very complicated and confusing. The card never said it had a payment due then XXXX day it came up and had XXXX  days late. Hit my credit. I paid it off then it is now in my personal name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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 ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-02 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Midland credit management is contacting me on behalf of. XXXX XXXX XXXX XXXX. I was having financial difficulties in paying my bill every month which is why it got behind. Im demanding a cease/desist from midland asking them do not contact me anymore about this. I will deal directly with the original creditor in making payment arrangements to pay it off. But its not within my budget to only pay {$25.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
The car was towed, finance company never came and picked up the car. The towing company got rid of the car. Instead of repossessing the vehicle, the finance company is holding an opening balance on something that should have been closed and charged off my credit. This is steady bringing down my credit.

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 2025-04-02 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:
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 XXXX XXXX XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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 explanation
Consumer complaint received 2025-04-02 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
COMENITYCAPITALXXXX attempted to access my XXXX credit report on XX/XX/year>, but access was blocked. The category of this inquiry is XXXX. 
I did not authorize this attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-02 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: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2025-04-02 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: VA

Complaint narrative:
I do not recognize these addresses or phone numbers I need them removed please. 

( 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 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 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 2025-04-02 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: LEXISNEXIS
State: MI

Complaint narrative:
Theres fraudulent inaccurate information reporting on my credit reports The listed information is not accurate and its hurting me which is a violation of my rights. 
Bankruptcy XXXX {$11000.00} XXXX  {$4900.00} XXXX {$4900.00} XXXX {$2400.00} XXXX {$11000.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX accounts Department of education XXXX all accounts All addresses except the ones in

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: ID Analytics, Inc.
State: MI

Complaint narrative:
Theres fraudulent inaccurate information reporting on my credit reports The listed information is not accurate and its hurting me which is a violation of my rights. 
Bankruptcy XXXX {$11000.00} XXXX  {$4900.00} XXXX {$4900.00} XXXX {$2400.00} XXXX {$11000.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX accounts Department of education XXXX all accounts All addresses except the ones in

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XXXX XXXX, XXXX XXXX. I am standing in my kitchen cooking a burger and minding my own business. I am listening to classical music on an XXXX. Then I ask my bird if she would like a slice of cheese. The XXXX hears my voice, and then stops the music to play a XXXX  advertisement. The advertisement is a solicitation of credit from " apple card ''. I am urged to " apply ''. I do not wish to apply to any treasury product. They are fraudulent and in bankruptcy. They ( criminal, RICO, Biden administration and corrupt New York judges like XXXX ) have seized over a XXXX dollars of my collateral since 2022, and I am very very angry about it. I am going to be upset for at least the next 18 hours as I mull over the criminal gang that stole my collateral. I have already opted out of all credit products, and I am still being harrassed. This is a crime. I would like compensation for the next 18 hours of my life that I about to lose due to this violation of the bankruptcy proceedings and of the opt out of all credit products that I have submitted to every credit bureau multiple times, as well as the improper use of my credit information to target me for discrimination, etc. You owe me an additional XXXX bitcoins for this disturbance on XXXX XXXX, in addition to the rest of my collateral that I am owed. Stop contacting me. Stop harassing me. You are bankrupt. This is RICO crime. This is improper solicitation of credit products, and improper use of private credit information. This is also targeted caste based discrimination and insider trading. Leave me alone. ONLY contact : XXXX XXXX of XXXX XXXX  XXXX, XXXX. RE, XXXX litigation and RICO crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: MA

Complaint narrative:
XX/XX/XXXX dispute XXXX was updated to the accurate information and then the inaccurate information was placed back on my credit report, XX/XX/XXXX dispute XXXX was updated to the accurate information and then the inaccurate information was placed back on my credit report, XX/XX/XXXX dispute XXXX was updated to the accurate information and then the inaccurate information was placed back on my credit report, XX/XX/XXXX dispute XXXX was updated to the accurate information and then the inaccurate information was placed back on my credit report, XX/XX/XXXX dispute XXXX was updated to the accurate information and then the inaccurate information was placed back on my credit report, XX/XX/XXXX dispute XXXX was updated to the accurate information and then the inaccurate information was placed back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-04-02 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 formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Subject : Request for Deletion of Charged-Off or Closed Account Due to 1099-C Issuance Dear XXXX, I am writing to formally dispute the continued reporting of a closed account on my credit report. According to IRS regulations and the Fair Credit Reporting Act ( FCRA ), a creditor that issues a Form 1099-C for cancellation of debt is acknowledging that the debt has been discharged and no longer collectible. 

The account in question is : Creditor Name : Citicards CBNA Account Number : XXXX Date of Charge-Off : XX/XX/year> Amount : $ {$2500.00} Under IRS Code Section 6050P , once a Form 1099-C is issued, the debt is considered canceled, meaning the creditor has forfeited any further collection activity, including reporting the debt negatively on my credit report. Therefore, this account should be immediately removed from my credit file. 
Failure to properly investigate and remove this information from my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and I am prepared to take legal action if necessary. If you do not comply, I will seek statutory damages of up to {$1000.00} per violation, in addition to punitive damages, attorney fees, and court costs. 

Please conduct an investigation into this matter and provide me with written confirmation of the deletion. If you continue to report this invalid debt, I will have no choice but to pursue all legal remedies available to me. 
I expect your response within 30 days of receiving this letter, as required by the FCRA. 

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 non-monetary relief
Consumer complaint received 2025-04-02 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX ( Account XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: CO

Complaint narrative:
You emailed me today. 
I emailed you i had supporting documents.

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 2025-04-02 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-02 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: SC

Complaint narrative:
Hello, this is a customer that purchased XXXX {$500.00} vanilla visa gift cards from local supermarkets. All of them are placed ON HOLD and the customer care representative promised me of XXXX replacement cards. I already asked the replacement card for 3 times and I still haven't received them at all after 3 months.

Company response to consumer: Closed with explanation