vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: Violation of the United States Code Law (TILA 15 U.S. Code 1666(b)billing error)\n\nI checked my credit report and noticed the same multiple billing errors under 15 U.S. Code 1666(b)billing error \n\nAnd - FCRA  605(b) (15 U.S.C.  1681c-2)\n\n(4)The creditors failure to reflect properly on a statement, a payment made by the obligor, or a credit issued to the obligor.\n\n(5) A computation error or similar error of the accounting nature of the creditor on a statement.\n\nAs I know, the creditors did not notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the Creditors that I didn't pay and was marked late because this is clearly a billing error.\n\nI will list all items again that should be updated to paid as agreed on my consumer report and late marks should also be removed.\n\nACCOUNT NAME XXXXACCOUNT NUMBER : XXXXAs a consumer by law, these accounts on this letter must be updated and remove inaccurate information immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we were already involved and sent this letter to the Complaint portal for (Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission Reference Number: XXXX).\n\nSincerely,\n\nMabel Musu"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
My ex girlfriend opened several accounts in my name, these are not my accounts. I want these removed from my report right away. I was made aware of a lawsuit filed by the CFPB against the credit bureaus alleging that consumer disputes are not being handled correctly. I request my dispute be handled per the lawsuit guidelines, if not, please include me in the lawsuit against the credit bureaus. Please remove these accounts from my 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 2025-05-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifaxXXXX XXXX XXXX XXXX XXXX  Urgent Request for Removal of Fraudulent Accounts Within XXXX Days\n\nTo Whom It May Concern,\n\nI am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my Innovis credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft.\n\nThe following accounts are fraudulent and must be removed from my credit report immediatelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n(Include additional accounts as needed)\n\nI am formally requesting that these accounts be removed from my report within XXXX  days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security.\n\nI have enclosed copies of the following documents to support my claim:\n\t\tA copy of my government-issued identification\n\t\tProof of my current address\n\t\tA copy of the police report and/or identity theft affidavit\n\t\tAny relevant documentation proving the accounts are fraudulent\n\nPlease confirm in writing that these accounts have been deleted from my file. If I do not receive a response within XXXX days, I will escalate the matter to the Consumer Financial Protection Bureau (CFPB) and other relevant authorities.\n\nThank you for your prompt attention to this urgent matter.\n\nSincerely,\XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
I was laid off from my job and could no longer afford the vehicle. I decided to give up thr car and had a family member take over the payments when she had got it taken away after leaving it in her apartment parking lot. It got repossessed from the yard it was in because she didnt want to go and pay to get the vehicle out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
Recently I looked at a copy of my credit report and noticed several fraudulent accounts on my report. These accounts are hurting my ability to obtain credit. Please remove these fraudulent accounts from my report : Account name : XXXX XXXX XXXX Account number : 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 2025-05-16 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several fraudulent accounts on my report. These accounts are hurting my ability to obtain credit. Please remove these fraudulent accounts from my report : Account name : XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several fraudulent accounts on my report. These accounts are hurting my ability to obtain credit. Please remove these fraudulent accounts from my report : Account name : XXXX XXXX XXXX Account number : 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 2025-05-16 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: NM

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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 XXXX US CXXXXe XXXXB since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XXXX ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/year>, my XXXX  account was unexpectedly frozen after I made several payments, including my rent, gas, and phone bill. When I contacted Venmo support, I was instructed to send a photo of my drivers license and a photo of my linked bank account. I promptly provided the requested documents. Despite this, my account remains frozen without any explanation from XXXX. 

I rely on my XXXX  account for my direct deposit from work and to manage essential expenses. As a result of this account freeze, I no longer have access to my funds, causing severe financial hardship. I am currently unable to purchase food or cover necessary expenses, which has significantly impacted my daily life. 

XXXX lack of communication and transparency regarding the freeze is causing undue stress and financial harm. I have made multiple attempts to resolve the issue through XXXX  support without success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: EGL US, LLC
State: MD

Complaint narrative:
I took out a loan through BMG Money, serviced by XXXX. The loan was for {$6000.00}, but I only received {$1300.00} in cash. The rest was used to pay off a previous loan with the same companyeffectively refinancing old debt at a high cost. 

The APR is 35.62 %, and I am scheduled to repay over {$11000.00} over 4 years through automatic biweekly payroll deductions from my federal job at the Department of Homeland Security. This repayment model is hard to manage and leaves me financially vulnerable. 

I believe this loan structure is abusive. It charges interest on money I never actually received, locks me into high-cost debt through payroll deduction, and offers little flexibility. I was never offered a real choice or explanation of better alternatives.

Im requesting that the CFPB review this loan for potential violations of consumer protection laws or unfair lending practices targeting federal workers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: HI

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC XXXXi ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: PA

Complaint narrative:
This is a follow-up complaint regarding the inaccurate late payment entries for XXXX XXXX  ( Account Number : XXXX XXXX XXXX XXXX XXXX ), dated XX/XX/2022, currently listed on my TransUnion, XXXX, and XXXX  credit reports. These late payment records are reporting a past due amount of {$0.00}, which is clearly misleading and improperly impacting my credit profile. Despite my previous disputes, these inaccuracies remain uncorrected, reflecting a failure by each bureau to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). 

As a consumer, I have the right to accurate reporting under 15 U.S.C. 1681, which mandates that credit bureaus ensure the maximum possible accuracy of the information they maintain. The continued presence of this erroneous late payment, despite clear evidence of its inaccuracy, not only misrepresents my financial responsibility but also unfairly damages my credit score, limiting my access to fair lending terms and credit opportunities. This lack of accurate reporting creates an unjust financial burden and reflects a significant oversight in the bureaus ' investigative processes. 

Given the substantial impact this has on my financial health, I must emphasize the urgency of addressing this matter. It is essential for the bureaus to take immediate action to correct this entry, as the ongoing presence of this inaccurate late payment can hinder my financial stability and long-term creditworthiness. The FCRA explicitly requires credit bureaus to conduct thorough and reasonable investigations, ensuring the accuracy and completeness of all reported information. Failing to meet this obligation violates my rights as a consumer and undermines the integrity of the credit reporting system.

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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

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

Company 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 2025-05-16 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: MI

Complaint narrative:
There is an account showing up on my credit report that I did not open and did not authorize. This is a clear case of identity theft and fraudulent use of my personal information. 

Let me be absolutely clear I had no involvement with this account, I never gave permission for it, and I did not consent to any activity related to it. The fact that its showing on my credit report is completely unacceptable.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NV

Complaint narrative:
b'To Whom It May Concern,\n\nThis is a formal follow-up dispute and demand for deletion of the following accounts and records still showing on my LexisNexis file, which I have previously disputed. These records are either inaccurate, misattributed, unverifiable, or no longer reportable under the FCRA, 15 U.S.C.  1681 et seq.\n\nDespite my prior disputes, these records continue to report inaccurately and are severely impacting my personal and business credibility.\n\nPer FCRA  611(a)(7) &  609(a)(1), I am requesting immediate deletion of these items unless you can provide:\n\t\tCertified court documents including wet ink signature (if applicable)\n\t\tMethod of verification, including who you contacted and how\n\t\tAny and all proof this data accurately belongs to mXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Items Demanding Removal:\n\t1.\tJudgments & Liens (Unverifiable and Outdated):\n\t\tCivil JudgmentXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXull list as shown in my file)\n\n\n\n Legal Basis for Removal:\n\nYou are obligated under the FCRA  611(a),  609(a)(1), and  1681e(b) to maintain only accurate, verifiable, and updated information.\n\nPer my dispute rights, and under 15 U.S.C.  1681i(a)(5), these items must be:\n\t\tDeleted if unverifiable\n\t\tCorrected if inaccurate\n\t\tPermanently removed if not legally reportable\n\nI am requesting you to act within 30 days upon receipt of this letter and provide:\n\t\tA full updated copy of my corrected consumer report\n\t\tDescription of the method of verification used on each item\n\t\tName and contact of the investigator handling this dispute\n\nI am sending this certified and via CFPB complaint to ensure compliance.\n\nSincerely,\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: MS

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: MO

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
hard inquiries that must be reviewed and removed immediately : XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/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 2025-05-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
XX/XX/XXXX I setteled the amount for XXXX XXXX XXXX XXXX with sunrise credit service inc the amount of {$2000.00} and I requested deletion letter she told me I will receive in 2 to 3 business days after I made the payment I called 3 times and requested a deletion letter every time they are telling me with my wrong email then I changed and they rejecting my calls and finally denied to provide me a letter and very rude behavior I really need that letter As soon as possible Im stuck on my mortgage

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 2025-05-16 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: MI

Complaint narrative:
There is a hard inquiry on my credit report that I did not authorize and had absolutely no knowledge of. This is a clear case of identity theft and fraudulent use of my personal information. 

Let me be completely clear I did not apply for credit, I did not give permission for this inquiry, and I had no involvement with the company that pulled it. The presence of this inquiry on my report is not only unacceptable, it's a direct violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation