vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: MD

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 2025-07-19 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 filing this complaint because Equifax, Experian, and TransUnion have failed to conduct a proper investigation into the disputes I submitted regarding inaccurate and negative information on my credit reports. These unresolved errors have negatively impacted my credit score, limiting my access to credit and creating undue financial and emotional stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am writing in regards to an alleged debt you claim I owe in the amount of {$1200.00} and {$1500.00}. Account number : XXXX Please be advised that I am requesting the validation and verification of this debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( a ) and ( b ). Please provide the following documentation : The name and address of the original creditor. 
A complete transaction and payment history from the original creditor The amount of the alleged debt, including a breakdown of interest, fees, and other charges. 
Proof that you are legally entitled to collect this debt, including a copy of the assignment or purchase agreement. 
A copy of the original contract or agreement bearing my signature. 
Proof of the date of default and the date of last payment, used to determine the statute of limitations. 

Your company reported a debt to credit bureaus without providing the required written validation notice violating the 12 CFR 1006.34 ( b ) ( 5 ). Until you provide this information, please consider this debt disputed and cease all collection efforts, including reporting this account to any credit reporting agencies, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I deposited a cashier check in my savings account for {$50000.00} that my mom gifted to me we both went into the branches on XX/XX/year>, it was released on the XXXX an on the XXXX of XX/XX/year>, it was put on hold it's been on hold for over a month, I've called they keep telling me to get a letter Hold Harmless letter from the other bank that it came from. And also, i called an the agent i spoke with she released my funds because of an error that made in their system. Then about XXXX later i look back on my account and they put it back on hold again, saying in order to release the money they need a letter from the other bank... i called the other bank several times went to the branches of both... The cashier check is valid. My bank saying they were told it wasn't. I have asked them as to what else i can send them to resolve this issue no help... The other bank is saying there nothing else on there in that they can do, and my banks is not helping... i have spoken with Manager 's and Supervisor 's same outcome... I also have had both banks on the phone for verification and was told by my bank that doesn't matter an i wont help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: PA

Complaint narrative:
I am requesting that all the fraudulent and unauthorized accounts and inquiries listed below be : Permanently deleted from my credit report ; Blocked under 15 U.S.C. 1681c-2 within 4 business days as required by law ; Reflected in a corrected and updated consumer report that is sent directly to me ; Accompanied by written confirmation of each deletion and block.

Additionally, I request that : The credit bureaus cease reporting this inaccurate information to third parties ; Any party that accessed my credit report in the last six months based on these fraudulent items be notified of the correction, per FCRA provisions.

These accounts and inquiries were clearly the result of identity theft. I have already submitted the necessary documents, including my FTC Identity Theft Report, proof of identity, and proof of address. There is no lawful reason for this information to remain on my credit file.

I am requesting a full resolution within 15 days, including a revised report and confirmation that all disputed data has been removed. If this is not resolved promptly, I will pursue further legal action and escalate complaints with state and federal agencies as allowed under FCRA 616.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: NY

Complaint narrative:
There are fraudulent charge offs being reported on my Experian credit report that were the result of identity theft. I wanted them removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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 am a victim of identity theft. My TransUnion credit report contains multiple fraudulent and inaccurate accounts, addresses, and personal information that I have no knowledge of and never authorized. Despite providing notice of this identity theft and requesting an immediate 72-hour credit file block and permanent deletion under federal law, TransUnion has failed to comply in full. Specific Violations Include : 1. Failure to Block Fraudulent Information Within 4 Business Days Under the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S.C. 1681c-2 ], TransUnion is legally obligated to block identity theft-related information within 4 business days after receiving proper proof and an identity theft affidavit. They have not done so.

2. Failure to Reinvestigate Under FCRA 611 [ 15 U.S.C. 1681i ] TransUnion has failed to conduct a proper reinvestigation of disputed accounts I identified as fraudulent, as required.

3. Willful Noncompliance ( FCRA 616 ) and Negligent Noncompliance ( FCRA 617 ) By continuing to report false data after being notified of identity theft, TransUnion is knowingly harming my creditworthiness and violating my consumer rights.

Fraudulent Items That Must Be Deleted Immediately : Fraudulent Accounts ( Reported without my consent or authorization ) : 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 Addresses : XXXX XXXX XXXX, XXXX XXXXXXXX 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 And any other address that is not XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
CFPB Complaint Summary XXXX. What happened? 
I submitted multiple disputes to LCI Experian / Equifax XXXX TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted.

I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case. 
XXXX. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Subject : Formal Complaint Under the Fair Credit Reporting Act Inaccurate and Outdated Credit Reporting Dear CFPB XXXX, I am writing to formally file a complaint regarding XXXX violations of the Fair Credit Reporting Act ( FCRA ) concerning inaccurate and outdated information on my credit report. Despite my efforts to resolve these issues through direct disputes with the relevant credit reporting agencies, no resolution has been reached. I am requesting the CFPBs assistance to enforce compliance and ensure my consumer rights are upheld. 

XXXX. XXXX XXXX XXXX TransUnion Account Number ( partially redacted ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported by : TransUnion Issue XXXX This charge-off account was closed and marked for deletion by XX/XX/year>. However, as of XX/XX/year>, it is still being reported. 

Violation : 15 U.S.C. 1681c ( a ) ( 4 ) The FCRA requires credit reporting agencies to remove charge-off accounts no later than 7 years from the date of first delinquency.

UCC 1-308 Reporting a time-barred debt without disclosing it as unenforceable constitutes misleading and unconscionable reporting. 

Impact : This outdated derogatory item is harming my credit profile beyond the lawful reporting window. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Account Balance : {$120.00} Reported by : Experian only Original Creditor : XXXX XXXX Issue : The debt is only reported by Experian and lacks verifiable documentation of its legitimacy. There has been no direct contact, and I have not received a debt validation notice in accordance with federal law. 

Violation : 15 U.S.C. 1681i Experian has failed to properly investigate and verify this collection account.

15 U.S.C. 1692g ( b ) Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must provide written verification upon request.

UCC 1-201 ( b ) ( 20 ) No authenticated record has been provided to establish a legally enforceable claim.

I respectfully request that the Consumer Financial Protection Bureau : Initiate an investigation into TransUnion for continued reporting of an outdated charge-off account beyond the legal 7-year limit.

Investigate Experians failure to verify or validate the accuracy of the {$120.00} collection reported by XXXX XXXX XXXX. 

Require the deletion of both accounts from my credit file in accordance with FCRA and FDCPA regulations. 

Enforce appropriate penalties or corrective measures where applicable. 

These items have caused me significant distress and are impairing my creditworthiness. 
Thank you for your time and assistance in protecting my rights as a consumer. 

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 2025-07-19 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: TX

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am disputing a repossession account currently being reported under XXXX  # XXXX. The creditor failed to provide the legally required Right to Redeem notice as required under UCC 9-611 and applicable state laws. This notice must be sent before the vehicle is sold or disposed of, giving the borrower a chance to reclaim the vehicle by paying the amount due. 

I never received this notice. As a result, the creditor violated my rights and is not legally entitled to collect any remaining deficiency balance. Therefore, the reporting of this repossession and the outstanding balance is inaccurate and harmful to my credit report. 

Additionally, the tradeline is being reported without ensuring its accuracy, which violates FCRA 1681s-2 ( a ) ( 1 ) ( A ). The accounts continued presence on my credit report is causing material harm to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I dont know anything about this car until I saw on my credit report repossessed. I called the company and they said this car was repossessed and I owe XXXX. I dont know anything about this vehicle. Someone bought the car and used my information to scam the people that sold the car. 

No information was sent to me regarding this vehicle that I supposedly had.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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 am filing this complaint because Equifax, Experian, and TransUnion have failed to conduct a proper investigation into the disputes I submitted regarding inaccurate and negative information on my credit reports. These unresolved errors have negatively impacted my credit score, limiting my access to credit and creating undue financial and emotional stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I am filing this complaint due to Bridgecrests continued attempts to collect a debt despite their failure to validate it in accordance with federal law. 

On XX/XX/2025, I submitted a formal Billing Error Notice and a Debt Validation Request to Bridgecrest. They never produced a chain of assignment or other required documentation proving they own or service the alleged debt. 

I followed up with a Notice of Dishonor pursuant to UCC Article 3, and later a Notice of Intent to Sue. Despite these actions, Bridgecrest continues to call me and attempt to collect, which is a clear violation of the FDCPA ( 15 U.S.C. 1692g ) and may also constitute harassment under 15 U.S.C. 1692d.

Furthermore, if this account is being reported to credit bureaus, this is a violation of the FCRA ( 15 U.S.C. 1681s-2 ), as no validation has been supplied and the debt remains disputed.

I am requesting the CFPB require Bridgecrest to : Cease all collection efforts immediately, Provide full documentation of the debt and chain of assignment, and Correct or delete any negative credit reporting until validation is properly supplied. 

I reserve the right to seek damages in court under the FDCPA and FCRA. My documentation ( certified mail receipts, notices sent, etc. ) is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : 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