vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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 was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request mat mis account be removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Greetings, In XX/XX/XXXX, I was concerned about the financial viability of XXXX XXXX. I was in the process of canceling my order for a XXXX XXXX XXXX ( XXXX  ), when Chase offered me 1.99 % financing if I upgraded to a XXXX XXXX XXXX. This convinced me that XXXX XXXX, was supported by Chase, and wouldn't fail and leave me with an $ XXXX car with no warranty ( or any of the XXXX in promised upgrades ). I entered into an $ XXXX loan with XXXX XXXX ( Chase ) on XX/XX/XXXX. 
Since then, XXXX has gone bankrupt, leaving me with an unsupported vehicle ( valued at XXXX, not XXXX ). Chase even sent me a letter stating that the value of my car was < $ XXXX and that they would re-issue a title for the adjusted amount. We were almost to the point where they would send the title to XXXX, but then they ghosted me ( presumably because I entered into an arbitration using XXXX XXXX as my attorney ). They will now not return my emails, or even answer my phone calls ( as soon as they look me up in the system, the operator says that they must terminate the call ). 
Chase has recently admitted that they knew that XXXX was going bankrupt, but still conned me into the car loan. They have recently offered me 45 % of my loan wiped out if I give my car to XXXX. This is simply not acceptable, as they have offered other owners a 100 % payoff if their car is 'bricked ', or more than the loan amount if one of the other times ( XXXX or XXXX ) was purchased. 
Please advise as to my options for following up on my complaint. 
Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have requested my credit report multiple times since XX/XX/year> via calling XXXX, Transunion, and XXXX and via calling the XXXX XXXX XXXX request service at XXXX ( XXXX ) XXXX. I still have not received my credit reports. 

The authentication on the phone is frustrating and also there's no assistance or solution even when the representatives come to the phone and admit there's a problem on their end. That's why I opted to request reports via mail by calling the annual credit report request service at XXXX ( XXXX ) XXXX. 

I need my credit report to check accuracy and I also need to order credit lock and place fraud alert on my credit with these CRAs, but I'm not able to do that. I have not been assisted to do any of these. My account remains vulnerable as I'm unable to access my credit reports or apply necessary security measures to my account.

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 2025-03-18 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:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
Requested investigation into Bridgecrest of why they were reporting the wrong info on my credit report the were reporting that it was an involuntary repossession when in fact I voluntarily gave the car back because it was a lemon had significant electrical and engine problems. When I requested the info they started reporting that the account was still open and delinquent and have been reporting this for atleast 4 months. They sold the car at auction and sent me a bill for the balance but are continuing to report the total amount of the loan to the credit bureau I would like this account removed from all 3 of my reports please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This collection account was removed from my XXXX report between XX/XX/XXXX and XX/XX/XXXX. I've attached a screenshot for proof. Please remove this collection from my TransUnion report as well. Thank you in advance.

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 2025-03-18 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: PNC Bank N.A.
State: MD

Complaint narrative:
I have several inquiries on my report within one year that i did not authorize and are unfamiliar

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
XXXX XXXX and I received a prepaid visa gift card with {$50.00} loaded on it for our wedding. After opening it, I attempted to activate the card and thought I was successful. When I attempted to use it, it did not work. The agent stated that because it was never activated, XXXX XXXXmonth has been charged for the last 10 months, resulting in the card being worth {$0.00}.

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 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I believe my personal information was compromised without my knowledge or consent. I was notified by a collection agency etc. how I became aware of the identity theft. I found that provided details about the fraudulent activities were uncovered such as unauthorized accounts, or other pertinent 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 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
Dispute of 90-Day Late Payment Nelnet ( Student Loan Servicer ) To Whom It May Concern, I am formally disputing a 90-day late payment reported by Nelnet on my credit report, as this information is inaccurate and unverifiable in violation of the Fair Credit Reporting Act ( FCRA ) 609 & 623. 
On XX/XX/year>, at XXXX am AZ time, I spoke with XXXX XXXX ID XXXX on a recorded line Nelnet representative, who confirmed that Nelnet does not have an original promissory note for the fraudulent student loan in my name Since Nelnet can not verify that this debt belongs to me, their reporting of a 90-day delinquency is an unlawful Legal Violations Committed by Nelnet : 1. Failure to Verify the Debt Before Reporting Under FCRA 623, loan servicers must ensure all reported information is 100 % accurate and verifiable. Nelnet admitted on a recorded line that they have no documentation proving the existence of this loan agreement. 
If Nelnet can not provide the original promissory note, they must delete all negative credit reporting immediately.

2. Unlawful Credit Reporting Without Verification Reporting a debt without verifying its accuracy violates FCRA 609. Since Nelnet failed to confirm that I was legally obligated to this loan, they have no legal basis to report a 90-day late payment.

3. Severe and Unjust Harm to My Credit Score Due to this inaccurate reporting, my credit score has dropped 73 points, affecting my ability to secure loans, housing, and financial stability.

My Requested Action I am vehemently requesting that the 90-day late payment reported by Nelnet be removed and this fraudulent acct deleted from my credit report due to a lack of verification ( no existing promissory note in my name ) FCRA violations ( unlawful reporting without proof ) Severe harm to my credit standing **The promissory note is the binding contract for any student loan**.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: DC

Complaint narrative:
After reviewing my Consumer Report, I noticed some late payments reported on my account, even though Ive always made my payments on time. Accurate reporting is important, and I want to ensure my information is correct. 

I have never missed a payment for the following account : XXXX, XXXX. I request a full review of these errors and ask that you provide proof, such as statements, showing the payments were actually late. If you can not provide this evidence, I expect these records to be corrected immediately to reflect my on-time payments, as I have always met my obligations without delay, very frustated about this.

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 2025-03-19 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: DC

Complaint narrative:
After reviewing my Consumer Report, I noticed some late payments reported on my account, even though Ive always made my payments on time. Accurate reporting is important, and I want to ensure my information is correct. 

I have never missed a payment for the following account : XXXX, XXXX. I request a full review of these errors and ask that you provide proof, such as statements, showing the payments were actually late. If you can not provide this evidence, I expect these records to be corrected immediately to reflect my on-time payments, as I have always met my obligations without delay, very frustated about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX XXXX Complaint Against Equifax, TransUnion , and Experian for Inaccurate Credit Reporting To Whom It May Concern, I am filing this complaint against Equifax, TransUnion , and Experian for failing to correct inaccurate and outdated information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c.

The disputed account is as follows : Creditor Name : XXXX XXXXXXXX XXXX Account Number : XXXX ( XXXX XXXX, XXXX ( TransUnion and XXXX ) Issue : The account is inaccurately reported with derogatory remarks, late payments, and a charge-off status, despite being paid and closed. I no longer owe any debt associated with this account. 

Timeline of Events : On [ date ], I sent dispute letters to Equifax, TransUnion, and Experian via certified mail, requesting the removal of this account due to inaccuracies.

The credit bureaus responded on [ date ] but failed to correct or remove the account.

I have attached copies of my dispute letters, certified mail receipts, and credit reports for your reference.

Violations : The credit bureaus are reporting inconsistent and inaccurate information, which violates the FCRAs requirement that credit information must be accurate, verifiable, and not outdated.

The account is marked as " Paid '' on some bureaus but " Derogatory '' on others, demonstrating a lack of consistency and accuracy.

Despite my disputes, the credit bureaus have failed to investigate and correct the inaccuracies, further violating my rights under the FCRA.

Resolution Requested : I request that the CFPB investigate this matter and ensure that Equifax, TransUnion, and Experian : Remove the inaccurate account from my credit report.

Provide me with written confirmation of the deletion.

Comply with the FCRAs requirements for accurate and fair credit reporting. 

Thank you for your assistance in resolving this matter. Please contact me at [ your phone number ] or [ your email address ] if you require additional information. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX XXXX Complaint Against Equifax, TransUnion , and Experian for Inaccurate Credit Reporting To Whom It May Concern, I am filing this complaint against Equifax, TransUnion , and Experian for failing to correct inaccurate and outdated information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c.

The disputed account is as follows : Creditor Name : XXXX XXXXXXXX XXXX Account Number : XXXX ( XXXX XXXX, XXXX ( TransUnion and XXXX ) Issue : The account is inaccurately reported with derogatory remarks, late payments, and a charge-off status, despite being paid and closed. I no longer owe any debt associated with this account. 

Timeline of Events : On [ date ], I sent dispute letters to Equifax, TransUnion, and Experian via certified mail, requesting the removal of this account due to inaccuracies.

The credit bureaus responded on [ date ] but failed to correct or remove the account.

I have attached copies of my dispute letters, certified mail receipts, and credit reports for your reference.

Violations : The credit bureaus are reporting inconsistent and inaccurate information, which violates the FCRAs requirement that credit information must be accurate, verifiable, and not outdated.

The account is marked as " Paid '' on some bureaus but " Derogatory '' on others, demonstrating a lack of consistency and accuracy.

Despite my disputes, the credit bureaus have failed to investigate and correct the inaccuracies, further violating my rights under the FCRA.

Resolution Requested : I request that the CFPB investigate this matter and ensure that Equifax, TransUnion, and Experian : Remove the inaccurate account from my credit report.

Provide me with written confirmation of the deletion.

Comply with the FCRAs requirements for accurate and fair credit reporting. 

Thank you for your assistance in resolving this matter. Please contact me at [ your phone number ] or [ your email address ] if you require additional information. 

Sincerely, 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 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/XXXX was checking on my bills account at Navy Federal Credit Union and discovered that {$520.00} was taken out of my account on XX/XX/XXXX. I immediately called Navy and ask the representative of why this amount was taken out, representative explained that it was an account I opened up back in XXXX and that it was charged off in XXXX. The only two account that are in my name and my husbands name. I asked the representative to give me information on this account but was told they couldnt due to the account being charged off and that it was 14 years old. I asked the representative who I can speak with because it was the weekend I was told to call back on Monday and speak to the charge off department. On Monday morning I called and spoke to that department and was not given any information for the account due to it being 14 years old and charged off. Then I was told to speak to the fraud department and they will give me all information and that was also incorrect information. I have sent in a written request about this account still no word and when I call all I get is they are working on your request. I have also written a request for the fraud department asking for any type of proof of me opening this account. I would like for my funds to be returned to the account that it was taken out of. This credit union had plenty of years to send me notices and phone calls to let me know about this account but never received any. This to me is fraud. 
XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2025-03-18 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: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with explanation