vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
When I spoke to Bridgecrest in XX/XX/XXXX, I was informed that my last payment would be XX/XX/XXXX. Once that payment was made I would receive my title. I made the last payment In XX/XX/XXXX. I waited a week to call to confirm that everything was fine. I was told by a rep that I still had a balance of XXXX XXXXXXXX. I informed them that was not what I was told, they confirmed that information and said I dont know why you were told that. I was then told if I didnt pay the XXXX XXXX within 90 days my car would be repossessed and the account would charged off. I asked why wasnt I informed of the balance and the rep said we dont inform you of that. Now I have less than 90 days to figure out how to pay XXXX XXXX that I didnt know I owed nor do they have a explanation for the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: Synovus Bank
State: NV

Complaint narrative:
I am requesting the deletion of an inaccurate and duplicate account on my consumer credit report. After reviewing my credit report, I am NOT responsible for this duplicate and inaccurate account.

15 U.S. Code and 1681c-2, a consumer reporting agency shall block the reporting of any information in the consumer 's file that the consumer identifies as information that resulted from an alleged identity theft not later than four business days after the date of receipt. It has been 30 days, and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) by the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. 


15 U.S.C. 1681s-2 ( a ) ( 1 ) states 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.

15 USC 1681 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report and no other By the written instructions of the consumer to whom it relates. 

15 U.S.C 1681c. ( a ) ( 5 ) Section which 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 seven years.

15 USC 1681 s-2 ( a ) ( 3 ) clearly states If the completeness or accuracy of any information furnished by anypersonto anyconsumer reporting agencyis disputed to suchpersonby aconsumer, thepersonmay not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer.

NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the duplicate account listed IMMEDIATELY!

I demand you cease under federal laws 15 U.S.C 1692c ( c ), and you are in violation if you continue to report this inaccurate information. 

I request your company to provide verifiable documentary proof ( original consumer contract or similar proof bearing my wet ink signature on it ) that you have on file of this account listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove the unverified, invalid, and derogatory account from my consumer report. 

The consumer report that was prepared under my social security number is reporting inaccurate information, which is a violation of The Fair Credit Reporting Act.

Ive listed the following duplicate inaccurate information below from my Consumer Report that needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I realized that from the recent reported data breaches that my information is out there and accounts were openeed without my knowledge. I want those accounts to be removed from my credit report. 

I feel like I've been harassed by these companies to make payments on accounts that were not opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: IN

Complaint narrative:
Equifax 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 Equifax, 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 Equifax 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 Equifax 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery has been threatening legal action against me for a debt that IS NOT MINE. They have called me, harassed me and after disputing this in writing with them on 2 separate occasions, they have continued to say that I owe a debt that I HAVE NEVER SIGNED FOR. I have requested proof of this alleged debt in the form of a contract bearing my signature and they have failed to provide this. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I have the right to a fair credit report that reflects only accurate accounts under the fair credit reporting act. This company has continuously violated my rights and their practices go against the Fair Debt Collection Practices Act. I am requesting for removal of this account from my credit report IMMEDIATELY. This company has been given several chances to prove the accuracy of this account but they have failed to provide any proof other than a claim that they purchased this debt from another company who I also did not sign an agreement with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Ive had insurance the whole time, sent them proof and everything, still want to stick me with their force placed insurance. Seems like a scam to collect extra money. Please investigate and fine this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
To : CFPB, I am filing a complaint against Equifax for failing to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ). In XXXX and XXXX, I disputed multiple inaccurate items directly with Equifax. Despite my efforts, Equifax failed to provide adequate details about how these accounts were verified. The results of my disputes were vague and did not clearly reference the specific accounts in question, making it impossible to determine which accounts were being addressed. 
Equifax 's lack of transparency and failure to provide sufficient information aligns with the systemic issues recently highlighted in the CFPB 's enforcement actions against credit reporting agencies. This ongoing failure has caused harm to my credit standing and violates my rights as a consumer under federal law. 
I am requesting the disputed accounts are removed from my credit report, as Equifax 's actionsor lack thereofare not in compliance with FCRA requirements. I have attached supporting documentation, including the dispute results I received from Equifax, which illustrate their inadequate responses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
I am filing a complaint against Transunion, XXXX and XXXX due to unfair practices as it relates to the furnishing of inaccurate consumer reporting information on my credit report in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX removed this account from my credit report and then re-added this same account several times over the course of the last 4 years which is a violation of the Fair Credit Reporting Act ( FCRA ), its implementing regulation, Regulation V, and the Consumer Financial Protection Act of 2010 ( CFPA ). I did not obtain a new loan in XXXX with XXXX XXXX XXXX XXXX and I do not know if this means that the loan was sold as no information was provided to me regarding this nor did I give consent to have my personal information sold to a 3rd party. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
Please remove this inaccurate, untrue, incomplete, and non-compliant information from my credit report immediately This is a violation of the FCRA and is a sign of violation of required XXXX XXXX Compliance Reporting.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE REULATIONS, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEMS TO BE ERRORS, OR ARE DEFICENT OF PROOF OF NOT BEING UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR ELSEWISE, NOT COMPLIANT, TO INCLUDE TO XXXX XXXX REPORTING STANDARDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation
State: TX

Complaint narrative:
upon reviewing my credit report, I have found this account reporting from Regional Finance, to be causing significant harm to my creditworthiness, as it is inaccurately reported and may not belong to me. as this account is having a severe negative impact on my financial stability, including recent denials for credit and housing, I am formally requesting that Regional Finance provide proof of ownership and show Regional Finance is the current owner of this debt if you can not provide this proof within 30 days I request that you immediately delete this account from all credit reporting agencies under the fair reporting Act FCRA, 15 USC 1681. I am entitled to accurate and verifiable information on my credit report, and any continued reporting of this erroneous account will be a direct violation of my rights under the law. I would like to bring to your attention that your failure to respond adequately and provide the requested evidence of ownership constitutes a violation of my rights under the Fair Debt Collection Practices Act FDCPA, 15 USC 1692g. This section mandates that you must validate the debt upon request and provide proof that you have the right to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax 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. Code 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifax action may also contravene the consumer financial protection act ( CFPA ), 12 U.S. Code 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 Equifax complies with Federal Law and provides consumers with the necessary proof of investigation.

This are the accounts that I marked inaccurate 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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:
Nothing happened after and situation standed the same

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 2025-01-27 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
They keep dropping my score. and it's hurting me to get a vehicle since I have fixed my score I'm still not able to get a car loan. This is out of control. I have friends that have worse credit scores then me and are able to get auto loans and I can't even get one I have even open a business and still can not even get a auto loan and I'm in the high 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 2025-01-27 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: FL

Complaint narrative:
Equifax 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 XXXX, 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 XXXX 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 Equifax 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: SC

Complaint narrative:
I hope this complaint finds you well. I have expressed myself numerous times over the years especially the past year to have EQUFIAX accurately verify this alleged account. I have sent proof of my entity, and I've also expressed that I have the capacity to overstand my federally protected rights. They claim that the information is accurate and valid but have yet to see any proof. They have NEVER provided me PROOF of ANY documentation of my red wet-ink signature, that show I gave them written or verbal instructions to furbish information on my credit file. EQUIFAX has successfully humiliated me. As a consumer under my federally protected rights, I have NOT given any company or persons written instructions or verbal permission to list these alleged accounts. THAT IS A VIOLATION ACCORDING TO 15 U.S.C 1681b. I will not keep putting up with these violations and will be seeking litigation in a small claims court against your company, seeking {$1000.00} for EACH violation for EACH month for DEFAMATION, NEGLIGENT ENABLEMENT OF IDENTITY FRAUD, VIOLATIONS FOR THE FAIR CREDIT REPORTING ACT, FINANCIAL INJURY, PENALTY OF PERJURY ( 18 USC 1028 AGGRAVATED IDENTITY THEFT ), VIOLATIONS OF 15 USC 1692g, 15 USC 1692a ( ABUSIVE PRACTICES ), 15 USC 1681b ( PERMISSIBLE PURPOSES OF CONSUMER REPORTS ), 15 USC 1681 4A B2 ( MISLEADING FALSE REPORTING ), 15 USC 1666b ( TIMING OF PAYMENTS ). I hope this issue can be resolved PROMPTLY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain 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 2025-01-27 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:
I am filing this formal complaint against Experian for failing to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically its duty to conduct a reasonable reinvestigation of disputed information on my credit report. Despite my repeated efforts and the evidence I provided, Experian has neither corrected nor removed the disputed items, which remain inaccurate or unverifiable. This failure has negatively impacted my credit standing and caused ongoing financial harm.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable reinvestigation of disputed information within 30 days. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies ensure maximum possible accuracy in consumer credit files. Experians failure to properly investigate my disputes and its refusal to correct or remove inaccurate accounts constitute clear violations of these legal provisions.

Furthermore, I would like to bring attention to the recent CFPB lawsuit against Experian, which highlights systemic issues within its dispute resolution process. The lawsuit alleges that Experian has : 1. Failed to forward consumer-provided evidence to furnishers.

2. Accepted unreliable responses from furnishers without proper validation.

3. Failed to adequately notify consumers about the outcomes of their disputes.

These allegations mirror my experience. Experian has not properly reviewed or addressed the documentation I submitted, has failed to provide detailed explanations regarding its dispute resolutions, and has ultimately refused to take corrective action. This negligence continues to harm my financial standing, limiting my ability to obtain credit under fair terms.


Requested Action : I respectfully request that the CFPB take immediate action to : 1. Investigate Experians failure to comply with FCRA dispute resolution requirements. 2. Require Experian to correct or remove the disputed accounts from my credit report. 3. Ensure that Experian improves its dispute handling process to prevent further harm to consumers. Experians noncompliance with federal law has directly affected my financial stability, and I urge the CFPB to intervene promptly. Please find attached supporting documentation, including copies of my dispute submissions and Experians inadequate responses. Thank you for your time and consideration. I appreciate your efforts in ensuring consumer protection and fair credit reporting practices.

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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am Writing to express concerns with Zelles handling of disputes, particularly in regards to CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. The informed me that recovering lost funds would be impossible and that tracking these transactions were unfeasible. The CFPBs findings that Zelle not only negotiated to protect customers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.

Company response to consumer: Closed with explanation