vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following inquiries are not authorized. Please remove it from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX  Please correct and update the late payments on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-29 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$4400.00} INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-29 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: CA

Complaint narrative:
I have previously disputed Experian and Equifax regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only XXXX XXXX  remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-29 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
On XX/XX/year>, I submitted a formal request to Fay Servicing asking for a reinstatement quote, payment instructions, and available options to bring my mortgage current. Despite multiple follow-ups by email and phone, the company never provided a direct response to that request. Instead, they sent a deferment letter dated XX/XX/year>, which did not address the issue I raised. I clarified that my request specifically asked for the reinstatement amount and instructions on how to pay. However, their representatives claimed they could not contact the investors and stated they were unable to provide the requested information. As of today, I still have not received a reinstatement quote or a clear resolution path, despite my repeated attempts to resolve the matter in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: WI

Complaint narrative:
A company has reinserted a previously deleted account onto my credit report without proper notice. This account was removed after a prior dispute and investigation. According to the Fair Credit Reporting Act ( FCRA ), the credit bureaus must notify me within 5 business days of reinserting any previously deleted information. I was not notified, and no new certification of accuracy was provided. This action is harming my credit standing and appears to violate federal consumer protection laws. I request that this item be investigated and PERMANENTLY removed if the proper procedure was not followed, which it wasn't.

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 2025-07-29 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: CA

Complaint narrative:
I have previously disputed Experian and Equifax regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-07-29 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
REMOVE ALL INQUIRIES NOT AUTHORIZED BY MYSELF on XX/XX/year> and XX/XX/year> : XXXXXXXX XXXX XXXX  Santander XXXX  USA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ran my credit without authorization. On XX/XX/year> XXXX ran my credit without authorizations. please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CBC Companies, Inc.
State: TN

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
Im filing this complaint because of how Bridgecrest and XXXX XXXX  have handled my auto loanspecifically, how theyve failed to communicate with me for over XXXX years while continuing to report on my credit without giving me any way to respond, fix, or even understand what was happening. 

The loan was originated in XXXX  in XXXX. In XXXX, I contacted Bridgecrest directly and was told by a representative that the account is not with us. Since then, Ive received no bills, no emails, no statements, no lettersnot even a courtesy update. My contact information has not changed, and no one reached out to me in any way. Then suddenly in XX/XX/XXXX, I got a call from a XXXX XXXX agent telling me they had an active repossession order on my car. That was the first time I heard anything about this loan in over XXXX years. 

I didnt avoid the callI answered it, I spoke to the agent, and I even followed up with a detailed written email to Bridgecrest and XXXX XXXX  requesting the original contract, a breakdown of what I allegedly owe, and a Right to Cure notice ( which is required by XXXX  law before repossession ). Instead of giving me answers or even responding, theyve insisted I pay the full principal balance and have kept the repossession order active. 

Whats worse is that while they were completely silent for XXXX years, they kept reporting the loan on my credit profile the entire time. I had no idea what was happening with the account, and yet my credit report kept taking hits as if I was ignoring themwhich is just not true. 

I believe their actions violate both Pennsylvania state law and federal consumer protection laws. They never gave me a Right to Cure notice, which is required by XXXX XXXX XXXX XXXX XXXX. They also never validated the debt, never clarified who currently owns or services it, and continued reporting on my credit without communicationwhich raises serious concerns under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

Im not saying I dont owe anythingIm saying that theyve failed to follow the law. You cant vanish for XXXX years, refuse to communicate, then show up and demand full payment and repossession without giving someone a fair chance to cure or understand the situation. 

I also believe the legal concepts of waiver and estoppel apply here. They essentially gave up their right to take enforcement actions by doing nothing for so long, and I relied on what they told methat the account wasnt with them. Its not fair for them to now try and act like Ive been ignoring them when theyre the ones who disappeared.

Im asking the CFPB to investigate this situation and to require Bridgecrest and XXXX XXXX to provide full documentation, halt any repossession activity until this is resolved properly, and stop reporting negatively on my credit if they cant prove they were servicing this loan legally and transparently the whole time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PR

Complaint narrative:
In XX/XX/year>, a {$45.00} recurring charge was processed on my USAA credit card, a charge I believed had already been canceled. Since I didnt expect new activity, I wasnt monitoring the account closely and didnt catch the payment due until it had already become delinquent. As soon as I became aware, I paid the balance in full. 

I recently contacted USAA to request a one-time goodwill removal of the late payment from my credit report. Im not disputing that the payment was late I take full responsibility. Im simply asking that USAA consider a goodwill adjustment due to the low dollar amount, the age of the incident, and the fact that my overall payment history has otherwise been strong. 

Unfortunately, USAA declined to review my request or escalate it to the credit reporting department. Im asking the CFPB to help ensure this request is evaluated fairly by someone with the authority to consider goodwill removals. This XXXX mark continues to significantly impact my mortgage lending score, even though it stems from a resolved and unintentional oversight.

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 2025-07-29 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: CA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to raise a serious concern regarding unauthorized access to my credit report by several companies. These inquiries have negatively impacted both my credit and overall credit score. I previously contacted your agency and was assured by a representative that the unauthorized inquiries would be removed. To date, this has not been done, which is unacceptable. 

The continued presence of these potentially fraudulent entries is deeply troubling and may indicate identity theft. This unresolved matter is causing ongoing emotional distress and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: Chime Financial Inc
State: SC

Complaint narrative:
I recently notice XXXX charges I didn't recognize on my credit about with chime .. XXXX for over {$13.00}, XXXX for over {$100.00} and XXXX for over {$200.00}. Well chime awarded me the {$13.00} charge and put it back in my account the same day I filed but them 3 days later informed XXXX that they denied the other XXXX charges. Now XXXX this isn't the first time I feel like chime don't nothing to hello me get my silent funds back because if it's more than {$10.00} they trying you down on getting it back. This is over {$300.00} that I'm being told chime denied my claim for. Now I've been with chime since XXXX  and to have your bank you are supposed to be able to trust with your funds and to have them pretty much day they turned out down and I basically should just get over it. They refuse to let me contact the dispute department and will not give any finding as to why they came to their decision because I did ask. Money is hard to come by and up be told XXXX it up and lose over {$300.00} is a big blow

Company response to consumer: Closed with explanation