vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor Charge Off XXXX XXXX XXXX {$680.00} Date Opened : XX/XX/XXXX XXXX XXXX {$330.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX {$0.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$6400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXXXXXX  XXXX XXXX XXXX {$520.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$3300.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX {$11000.00} XXXX Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-03 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: IL

Complaint narrative:
I recently accessed my credit report and noticed that I do not recognize these items on my report and they were not authorized by me

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALCAR INC.
State: CA

Complaint narrative:
Reviewing my bank account on XX/XX/year>2025, I found a payment of {$59.00} made to a company named XXXX which I did not recognize. I reported it to my bank as fraudulent and my bank said they would investigate. Then, looking back through my spam i found 3 emails all sent to me on XX/XX/XXXX ; the 1st said I was pre-approved for a loan. The 2nd, from XXXX XXXX, said I was approved and a hard credit pull had been done om my credit which would affect said credit score. The 3rd, from DR Bank powered by XXXX, said I had authorized the {$59.00} withdrawal and that they would withdraw every XXXX of the month. 
This was all a lie. My bank agreed and returned the money, however my cresit score was twice damaged by this fraud and I need to have this fixed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: KY

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
Original Creditor : XXXX XXXXI XXXX Balance Owed : {$370.00} Original Creditor : AAA XXXX Balance Owed : {$540.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
in XXXX of XXXX I bought a car from XXXX XXXX XXXX '' bridgecrest. The car service engine light was on and never went off. in XXXX the car was charged off to bad debt, I never received a XXXX form or any notification, Just a lot of phone calls. Now I have started receiving phone calls again from bridgecrest XXXX ( XXXX ) XXXX a woman named " XXXX '' is leaving messages. In accordance with XXXX laws " 42 U.S code 1983- civil deprivation of rights '' and 15 USC 1681 C-3... I would like these phone calls to stop, I do not owe this company anything, The account in question is over 9 years old, and fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation
State: TX

Complaint narrative:
**Re : Cease and Desist Demand & Validation of Debt** **Account Reference : XXXX / XXXX To Whom It May Concern : I am writing in response to your communication dated [ insert date of letter received ], regarding an alleged debt of {$140.00} purportedly owed to Afterpay. This letter serves as formal notice under the **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 et seq. **, and related consumer protection statutes, including the **Uniform Commercial Code ( UCC ) ** and the **Uniform Consumer Credit Code ( UCCC ) **, to dispute the validity of this debt and demand that you immediately cease and desist all collection efforts.

# # # 1. **Dispute of Debt & Request for Validation** I explicitly dispute the validity of the alleged debt and request written verification and validation of this claim pursuant to **15 U.S.C. 1692g**. Your notice fails to provide sufficient evidence that I have any contractual or legal obligation to pay this debt. Specifically : - **No Contractual Relationship** : I have never entered into a written or oral agreement with InDebted or Afterpay, as required under **UCC 2-201** ( statute of frauds ) for enforceable obligations.

- **Itemized Accounting** : Provide a detailed breakdown of the {$120.00} Original Balance, including dates, services/goods rendered, and copies of any signed agreements.

- **Fees Justification** : Explain the {$24.00} in fees and your legal authority to collect them.

# # # 2. **Cease and Desist on all media **Cease and Desist on all media Demand** Under **15 U.S.C. 1692c ( c ) **, you are hereby directed to **cease all communication** with me regarding this disputed debt, except to : - Confirm in writing that collection efforts will terminate.

- Provide the legally required validation of the debt.

# # # 3. **Legal Compliance** Take note of the following : - **UCC Compliance** : Absent a valid written agreement, this debt is unenforceable under commercial law.

- **FDCPA Violations** : Failure to validate the debt or continued collection efforts will result in a complaint to the **Consumer Financial Protection Bureau ( CFPB ) **, **Federal Trade Commission ( FTC ) **, and state Attorney General. Legal action for statutory damages of up to {$1000.00} per violation may follow.

# # # 4. **Preservation of Rights** This letter does not waive any rights under federal or state law, including the right to sue for violations of the FDCPA, UCC, or UCCC.

**No further contact is permitted**, except as explicitly allowed by law. 

Sincerely, ByXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
To whom it may concern I am writing to formally dispute and request the immediate removal of fraudulent accounts from my credit report, as I am a victim of identity theft. Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I have the right to dispute and request the deletion of any unauthorized accounts. 

The following accounts were fraudulently opened in my name : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my Federal Trade Commission ( FTC ) Identity Theft Report ( Report Number : XXXXXXXX ), along with a copy of my government-issued ID and any supporting documentation. 

Per 15 U.S. Code 1681c-2, credit bureaus must block fraudulent information within four business days of receiving an identity theft report. I also request that you provide me with an updated copy of my credit report reflecting these removals. 

Please confirm in writing that these fraudulent accounts have been removed. If you require additional information, please contact me at the phone number or email listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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:
To whom it may concern I am writing to formally dispute and request the immediate removal of fraudulent accounts from my credit report, as I am a victim of identity theft. Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I have the right to dispute and request the deletion of any unauthorized accounts. 

The following accounts were fraudulently opened in my name : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my Federal Trade Commission ( FTC ) Identity Theft Report ( Report Number : XXXXXXXX ), along with a copy of my government-issued ID and any supporting documentation. 

Per 15 U.S. Code 1681c-2, credit bureaus must block fraudulent information within four business days of receiving an identity theft report. I also request that you provide me with an updated copy of my credit report reflecting these removals. 

Please confirm in writing that these fraudulent accounts have been removed. If you require additional information, please contact me at the phone number or email listed above. 

Sincerely, 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 2025-04-02 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: GA

Complaint narrative:
Equifax is reporting an XXXX XXXX XXXX  payment as late 30 days on XX/XX/scrub> 2022. I have spoken with XXXX and they stated they contacted Equifax to have my credit report updated and corrected. 

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Late Payment on XXXX XXXX XXXX XXXXXX/XX/year>2022 Dear Equifax Dispute Department , I am writing to formally dispute an inaccurate late payment entry on my credit report regarding my XXXXXXXX XXXX XXXX . According to my records, my payment history is accurate and timely ; however, my Equifax credit report incorrectly shows a 30-day late payment for XX/XX/scrub>, 2022. 

Account Details : Creditor Name : XXXXXXXX XXXX XXXX ( issued by XXXX XXXX ) Account Number ( Last Four Digits ) : XXXX Disputed Late Payment Date : XX/XX/year>2022 Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting that Equifax conduct a reasonable reinvestigation of this disputed information. Furthermore, under 15 U.S.C. 1681e ( b ), Equifax is legally required to maintain the maximum possible accuracy in its credit reporting.

To support my dispute, I have enclosed [ list any supporting documents, such as account statements, payment confirmations, or correspondence with the creditor ], which confirm that my payment was made on time and that this late payment entry is incorrect.

I request that Equifax promptly investigate this matter and remove the inaccurate late payment entry from my credit report. If this dispute is not resolved within the legally required timeframe, I may escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and consider further legal action if necessary.

Please provide written confirmation once the correction has been made and send me an updated copy of my credit report reflecting these changes. I appreciate your immediate attention to this matter and look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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:
Please promptly eliminate the unauthorized accounts from my credit report. I did not initiate or authorize these accounts and do not know their origins. As per USC 1681g, I formally request their removal within 15 days. Relevant documents are enclosed for your examination. Furthermore, each bureau reports varying account information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: PA

Complaint narrative:
This morning, I discovered incorrect accounts listed on my credit report, and I have no idea how they got there. I regularly review my report, but this time, unexpected discrepancies appeared. I even refreshed my browser, hoping it was just a glitch, but the inaccurate accounts remained. Because of this, I am requesting a thorough review of the documents I have submitted to ensure I never have to deal with this issue again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the correct information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the correct information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am attempting to resolve a repossession with Ally Auto. Despite repeated requests, Ally has refused to confirm in writing whether my vehicle is available, what the reinstatement terms are, and how I can retrieve my personal property. The Redemption Department told me there was no record of my vehicle. However, I confirmed directly with the XXXX Police Department that the vehicle was repossessed. 

Allys Asset Recovery Center is demanding payments without confirming if the vehicle is even available for reinstatement. I have also requested a hardship review due to a recent XXXX, but Ally has refused to provide one. 

I have also submitted a formal demand letter directly to Ally Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I hope this letter finds you well. I am writing to formally dispute certain inaccurate personal information in your records that I believe is incorrect and needs to be updated. I have carefully reviewed the information, and I request a prompt investigation into this matter. 

The inaccurate information is as follows : Incorrect Information : Wrong name : XXXX XXXX Wrong name : XXXX XXXX Wrong name : XXXX, XXXX, XXXX Wrong address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX I am attaching supporting documentation to verify my correct personal details, which are : - Proof of address - Driver 's License - Billing info

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