vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX  document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding my XXXX loan account ( Account Number : XXXX ). Due to a serious medical emergency involving my maternal grandmother, who underwent an urgent XXXX XXXX in XXXX, I had to leave the United States on short notice. During this period, my XXXX mobile app and online account became inoperable.

Every time I attempted to access my account, the system required verification via a code sent to my U.S. phone number, which I could not access abroad. I contacted Cherry multiple times seeking alternative access methods, but none were provided. As a result, I was unable to make timely payments.

Despite this technical failure, and the clear documentation of my medical family emergency, Cherry reported late payments on my credit report. As soon as I returned to the U.S., I paid the balance in full.

I respectfully request the removal of these late payment notations from my credit file, pursuant to the Fair Credit Reporting Act ( FCRA ), especially considering that the delay was caused by system limitations beyond my control, combined with a documented medical emergency. 
These negative marks are not reflective of my credit behavior, but of extenuating circumstances and technological failures. Please investigate this matter and request that Cherry issue a goodwill adjustment and correct my credit report accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX  document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: VA

Complaint narrative:
I am writing to file a formal complaint and dispute regarding a collection account being reported by XXXX XXXX, which originates from XXXX XXXX XXXX  XXXX. The account details as reported to the credit bureaus are inconsistent and inaccurate : Original Lender : XXXX XXXX Bank XXXX. 
Collection Agency : XXXX XXXX  Date Assigned : XX/XX/year> Original Balance & Current Balance : {$1100.00} Bureaus Reporting : TransUnion, Experian ( not listed on XXXX  ) Status : Collection I have not received any validation of this debt from XXXX XXXX as required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C.1692g ). This debt has been reported without proper verification, and I was not notified in writing before it was reported to the credit bureaus, which is a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq ). 

Additionally, the account is negatively affecting my credit, and I am requesting a thorough investigation. If XXXX XXXX  can not provide original documentation showing the validity and ownership of this debt, including a signed agreement and complete payment history from XXXX XXXX XXXX  XXXX, I respectfully request that this account be deleted 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 non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Request to Remove Inaccurate/Old Address To Whom It May Concern, I am writing to formally request the removal of outdated addresses listed on my credit report. The addresses in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am writing to formally request the removal of the following outdated phone numbers listed on my credit report. The phone numbers in question are : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX These addresses and phone numbers are no longer associated with me and is not my current residence. I would like this outdated information removed from my credit file. I appreciate your attention to this matter and request confirmation once the update has been completed. Sincerely, XXXX XXXX Social Security XXXX - last XXXX digits : XXXX Date of Birth : XX/XX/year> ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-04-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I sent an email to bridge rest of the XXXXXXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in the hospital from XX/XX/year> to XX/XX/year> rehabilitation and therapy. To gain mobility bridge crest states after sending email to then on XX/XX/year> that they cant help me Im in tears they should help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 explanation
Consumer complaint received 2025-04-18 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: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: NJ

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, XXXX ] ] XXXX XX/XX/year> Subject : Formal Dispute of Inaccurate Information on Credit Report To Whom It May Concern : I am writing to formally dispute inaccurate and harmful information contained in my credit report issued by Experian. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates a fair and accurate reporting process, and I request a thorough reinvestigation of the disputed items in accordance with federal law. 

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for failing to properly investigate consumer disputes. According to the CFPB, Experian has engaged in several unlawful practices, including : Conducting inadequate and superficial investigations that fail to properly address consumer concerns. 
Reinserting previously disputed and inaccurate information into credit files without proper explanation or notification. 
Failing to notify consumers about the results of investigations, thereby leaving them unaware of any changes or findings. 
These allegations raise serious concerns about the reliability and integrity of Experian 's dispute resolution process. I am requesting that Experian conduct a comprehensive and good-faith investigation into the inaccurate information I am disputing. 

Disputed Item ( XXXX ) : XXXX, XXXX.. 

Please remove or correct the inaccurate information immediately. Enclosed are copies of supporting documents that substantiate my claims. 

If Experian fails to conduct a proper reinvestigation and respond within the XXXX window as required by law, I will consider filing a complaint with the CFPB and XXXX seek legal counsel to pursue further action. 

Please provide written confirmation of your receipt of this letter and notify me of the outcome of your investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: EQUIFAX, INC.
State: MN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXXe, XXXX XXXX XXXX ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: PA

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
On XX/XX/year> lease and company got possession of my car from local police department for a suppose allegations of a toy petty theft from target I was not found guilty of any crime in XXXX. However, lease and company took possession of the car said if I want my car back from the leasing company I have to pay my term in full. This talk two months {$20000.00} they gave me a release letter to me. I called the tow company to see if I had to give them any money company notified me that a supervisor from ally finance. Said not to release my truck to me. Then it took another few days to find out why this information was sent. I finally got to a representative. They said I have to call back. They dont know why this is happening. Finally they said a third-party called them and if I want the car I have to give them another {$30000.00} and I have to buy the car info. Meanwhile, I was in the middle arbitration. However, this information was not clarified to me for XXXX months and on top of pay in the month XXXX in XXXX I paid the car payment and they took out payment and wont order wont return my money for XXXX months of XXXX also it was important to me to clarify that if I pay this XXXX or XXXX whatever it was my car would be immediately released and this will not affect my credit then they didnt return my car on me. I tried getting another car and the lender on that company said youll have a repo on your credit. I said no, I do not I pay for the remains of the lease so they lied to me said this wouldnt affect my credit and then didnt even notify me of putting this on all my reports until after it was on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: LA

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account : XXXX that are inaccurate and not properly verified i have disputed this directly with the credit bureaus and the furnisher but the late payments remain without proper validation or documentation under 15 USC 1681S 2 A furnishers must report accurate information under 15 USC 1681 I the credit bureaus must perform a reasonable investigation within 30 days :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase performed a periodic account review and lowered my credit limit from XXXX to XXXX without prior warning. I have never missed a payment and have maintained a good credit history. This action has negatively impacted my credit utilization and score. I am requesting a detailed explanation of the decision and a review for reinstatement. Chase was unable to provide the reason why and I was unable to request an increase in my credit line. I want to ensure I am not being evaluated based on unfair lending practices. In addition, I want Chase to explain how credit scores, income, and employment history are factored into decisions? Can Chase provide data on credit card approval, denial rates, credit limits by race, gender, or geographic location? How often does Chase audit your lending data for potential discrimination or redlining? Have there been any recent fair lending violations, lawsuits, or regulatory actions against your institution? Who is responsible for fair lending oversight within your organization?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
My student loan information was accessed and shared without my FERPA consent. My FERPA rights were violated

Company response to consumer: Closed with explanation