vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
I am filing a complaint regarding a collection account reported by XXXX XXXX in the amount of {$2100.00}. This account is listed as opened on XX/XX/year> and last reported on XX/XX/year>, with the original creditor shown as XXXX XXXX  XXXX for Account, which is vague and inconsistent. 

I dispute this debt and demand an investigation under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S. Code 1681i ], as I have not received proper documentation or validation proving that this debt is mine.

I am invoking my rights under FCRA Section 609 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) to request : A signed contract or agreement showing I owe this debt Proof that XXXX XXXX has legal authority to collect it A clear breakdown of the charges that led to the {$2100.00} balance Identification of the original service or purchase The account lists a $ 0 monthly payment, shows no detailed payment activity, and lacks any reporting to XXXX  or TransUnion, suggesting poor maintenance and potentially outdated information. 

Since the debt has not been validated and the creditor name is unclear, this violates the FCRAs accuracy and completeness requirement under Section 602 ( A ) and 611 ( A ) ( 5 ) ( A ). 

If XXXX XXXX and the credit bureau can not verify this account with sufficient evidence, I request its immediate removal from all credit reports as required by 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 non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
purchased a XXXX XXXX XXXX from XXXX on XX/XX/XXXX. On XX/XX/XXXX, the vehicle experienced a catastrophic engine failure while under warranty. Despite written promises to refund and repurchase the vehicle, XXXX took possession of the vehicle on XX/XX/XXXX and has failed to issue any refund to date. 
No written confirmation of the return was provided. Additionally, their financing partner Bridgecrest has threatened or possibly submitted delinquency reports to credit bureaus despite the loan being subject to a full buyback. XXXX sent an agent to my home without notice with a release-of-liability contract I did not sign. 
These actions constitute deceptive business practices, breach of contract, and potential consumer finance violations Resolution Requested : - Full refund of down payment ( {$10000.00} ) and shipping fee ( {$1200.00} ) - Refund of all payments made to Bridgecrest - Written confirmation of loan closure and no negative credit reporting - Formal written return confirmation - Additional damages for emotional distress, credit risk, and financial harm I have initiated XXXX arbitration. I am also filing this complaint to ensure formal record of this issue with relevant consumer protection bodies. 
Attachments available upon request : XXXX demand letter, correspondence, XXXX legal waiver, and refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-19 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: CA

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 account listed without my expressed written consent.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Disputed information for improper use, information is being reported by a third-party that is not the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My credit card was used to make purchased unauthorized. I called the Apple Card and put in a complaint. They removed all charges except for XXXX charge. They has incorrectly filed the charge as item not received vs. a unauthorized transaction. I have filed numerous disputes and every month they reject this dispute stating a different reasons.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sunlight Financial LLC
State: PA

Complaint narrative:
We are victims of a solar company out of New Jersey called XXXX XXXX. They came to the house girl gave talk we would pay nothing to XXXX XXXX. They would owe us money we would make so much solar energy. We will only have to pay XXXX. There will be no other payments or bills. XXXX XXXX went bankrupt do to fraud lawsuits. 

We have XXXX kwh from solar. We are currently being asked to pay {$200.00} a month and we also pay to XXXX XXXX {$800.00} a month. 

They lied in every way. We have no contract will Sunlight Financial. They are the company the took over XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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 und

er 15 USC 1681. 15 U.S.C 1681 section 602 A. States
I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: MA

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 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 2025-05-20 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: NM

Complaint narrative:
I submitted a formal identity theft dispute to Equifax under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) on XX/XX/year>. My packet included a valid police report, an FTC Identity Theft Report, a written request to block fraudulent accounts and personal identifiers, medical and legal XXXX documentation, and voter registration as proof of identity. Due to the extent of identity theft Ive experienced, I did not include a government-issued photo ID. 

The disputed information included one fraudulent account and numerous unknown names, addresses, and phone numbers that clearly indicate identity theft. Under Section 605B, Equifax was required to block the identified fraudulent items within 4 business days. It has now been XXXX  days since delivery, and Equifax has failed to block or remove the disputed items. 

Equifax has sent me generic responses stating they verified the information but failed to provide any supporting documentation from furnishers or identify the procedures used, violating 15 U.S.C. 1681i ( a ) ( 6 ) and 1681i ( a ) ( 7 ). Even if Equifax incorrectly treated this as a Section 611 dispute ( 15 U.S.C. 1681i ), they are now also in violation of the 30-day reinvestigation timeframe.

Equifax has failed to comply with : 15 U.S.C. 1681c-2 ( a ) and ( c ) Failure to block fraudulent information within 4 business days 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to complete a reinvestigation within 30 calendar days 15 U.S.C. 1681i ( a ) ( 6 ) and ( 7 ) Failure to provide documentation or procedures used in verification 15 U.S.C. 1681e ( b ) Reporting inaccurate information without reasonable procedures I believe Equifaxs failure to act, especially in light of my XXXX and the clear identity theft evidence provided, is negligent and potentially predatory. I am requesting immediate CFPB enforcement to ensure compliance with federal law, full blocking of the fraudulent items, and removal of all inaccurate personal data from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
I am filing this complaint against Eastern Account Systems and XXXX  for violations of the Fair Credit Reporting Act ( FCRA ). 

A collection account is being reported under my name that is : Re-aged : The original debt dates back to XXXX, but is being reported as delinquent in XXXX, which violates FCRA Section 605 ( c ) Unverifiable : I have requested documentation and validation, and none has been provided beyond automated verified responses Tied to false personal information : My credit file includes a completely inaccurate XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY, a commercial building I have never lived in or even visited. This points to a mixed file or identity error, which under FCRA Section 609 and 611, makes any associated account unverifiable. 

XXXX and the collector have ignored this information, failed to correct the errors, and refused to validate the debt with proper documentation. I am requesting that this debt be fully removed from my credit report and that all personal identifying inaccuracies also be corrected immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XXXX, I purchased a couch from XXXX XXXX, specifically from their more expensive, high-end line that was marketed as exceptionally durable and built to last for years to come. At the time of purchase, the sales associate explicitly assured me that the furniture came with a warrantythis representation was a key factor in my decision to complete the sale. 

Despite being properly cared for and used under normal residential conditions, one of the couch cushions has developed a tear at the seam where the zipper meets the fabric. This is clearly the result of poor workmanship or substandard materials, not misuse or excessive wear. 

When I contacted XXXX XXXX  customer service, I was initially told the couch should be covered under warranty. I was then instructedpublicly, via XXXXto send my sales order number in a direct message. After complying, I was informed that the one-year manufacturers warranty had expired, and the company refused to assist further. 

This is unacceptable. The product was explicitly marketed and sold as long-lasting and high-quality. A cushion failure of this nature just a few years after purchase contradicts those claims and undermines reasonable consumer expectationsespecially for furniture at this price point. By comparison, my parents ' XXXX couch, purchased in the XXXX, remains in excellent conditionhighlighting the disparity in durability. 

XXXX XXXX  ' conflicting messages and ultimate refusal to stand behind their product suggest a pattern of misrepresentation and inadequate customer support. This incident raises serious concerns regarding deceptive marketing, failure to honor implied warranties, and a lack of good faith in resolving legitimate product issues.

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 2025-05-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: MECHANICS BANK
State: TX

Complaint narrative:
Dear Mechanics Bank Dispute Department, This letter is a formal follow-up to my initial dispute regarding the above-referenced auto account and the associated credit reporting violations. After reviewing your response to CFPB Case # XXXX, I am disputing your continued reporting under XXXX XXXX and FCRA guidelines for the following reasons : XXXX. Improper Dual Reporting Charge-Off and Repossession The account is simultaneously reported as : * Charged Off * Repossession * With an outstanding balance of {$4400.00} According to XXXX XXXX reporting standards, a repossession and a charge-off can not be reported in tandem with an outstanding balance unless properly coded and explained. The current reporting creates an inaccurate, misleading depiction of the accounts status in violation of : * FCRA Section 623 ( a ) ( 1 ) ( A ) ( furnishing accurate information ) * XXXX XXXX Format Account Status Codes and Narrative Codes conflict 2. Failure to Report Account as Disputed Your response to my CFPB complaint acknowledges my dispute, yet my consumer credit report does not reflect the required dispute code ( " XB '' ) per XXXX XXXX guidelines. This is a direct violation of : * FCRA 623 ( a ) ( 3 ) : Furnishers must report accounts as disputed when applicable.

3. Deficiency Balance Not Properly Substantiated Your response includes a statement that a deficiency balance remains. However : * No proof of vehicle sale value, calculation of fees, or compliance with notice requirements was included. 
* Your own records show a principal payment of {$1800.00} on XX/XX/year>, yet you proceeded to charge off the balance the next day. 
This suggests the post-repossession accounting may be flawed or incomplete, in violation of proper reporting procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
This morning, I discovered incorrect accounts listed on my credit report, and I have no clue how they got there. I check my report regularly, but this time unexpected discrepancies appeared. I even refreshed the page, thinking it might be a technical glitch, but the errors remained. Because of this situation, Im requesting a careful review of the documents I submitted to ensure this doesnt happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: IN

Complaint narrative:
I sent XXXX XXXX account number XXXX written notice requested a debt validation by certified mail XX/XX/year>. This debt was charged off as a profit loss/ bad debt on XXXX XXXX. I've requested a response within 30 days of the letter being sent and as of today XXXX XXXX I have yet to receive a written letter from this creditor validating this debt. On each credit report there are different amounts indicated as debt XXXX has {$29000.00} reflects a balance of {$14000.00} which is a significant difference between the 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 2025-05-20 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: WA

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to TransUnion regarding XXXX medical collection accounts reported by XXXX XXXX XXXX. In accordance with the Fair Credit Reporting Act ( FCRA XXXX ) and XXXX regulations, I requested : Full verification of each account, including original creditor name, itemized billing details, and date of service. 

A copy of my signed XXXX release authorization allowing XXXX XXXX XXXX to obtain or report any protected health information. 

TransUnion responded on XX/XX/year>, stating that the items were updated, but did not provide the required documentation to validate the debts. The balances and past due amounts were adjusted, but the accounts remain on my report without proper verification or proof of XXXX consent. 

Continued reporting of these accounts without full verification and a valid XXXX release violates both the FCRA and XXXX. The investigation did not resolve my dispute or fix the error. I am requesting full deletion of these unverified medical collections from my TransUnion credit file

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Today, while going through my usual credit report check, I came across some accounts that dont belong to me, and Im completely baffled as to why theyre there. I attempted to refresh the page, thinking it might be a technical issue, but the inaccurate entries stayed put. Because of this, Im requesting a careful examination of the documents I provided to prevent further concerns on my end.

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 2025-05-19 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: NC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation