vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: LA

Complaint narrative:
To : Consumer Financial Protection Bureau RE : Rebuttal to Bridgecrest Response Complaint # XXXX To Whom It May Concern, I am submitting this rebuttal in response to Bridgecrests XX/XX/XXXX, statement regarding my complaint. Their explanation is both incomplete and materially misleading. I respectfully request that the Bureau continue reviewing this matter in light of the following facts : 1. I Lawfully Elected to Owner Retain My Vehicle Bridgecrest claims I failed to release my totaled vehicle to the insurer, resulting in the denial of the total loss settlement. However, this is false. I have documentation showing that I lawfully elected to retain ownership of the vehicle under a valid total loss settlement agreement. My insurer and I explicitly agreed that I would keep the vehicle, and that the settlement amount would reflect a deduction for the salvage value.

Therefore, I was not required to release or surrender the vehicle. Bridgecrest 's assertion that the claim was denied because I failed to release the vehicle is either based on a misunderstanding or a misrepresentation of the facts.

2. Bridgecrest May Have Failed to Cooperate with the Insurer Bridgecrest was notified of the total loss on XX/XX/XXXX, and admits the vehicle was picked up by insurance on XX/XX/XXXX. Despite this, the insurer closed the claim, allegedly due to noncompliance. It appears there may have been a breakdown in communication between Bridgecrest and the insurer, or a failure to acknowledge the owner-retain election, which was not my responsibility.

3. Credit Reporting Is Inaccurate and Harmful On XX/XX/XXXX, I paid the outstanding balance and Bridgecrest released the vehicle to me. Despite this, Bridgecrest reported the account as charged off. This does not reflect the reality that I resolved the balance, reinstated the account, and should no longer be labeled as having defaulted or walked away from the loan.

4. Demand for Itemized Documentation Bridgecrest recalculated and re-applied refunds for GAP, XXXX, and GPS coverage. However, I have not received a full itemized statement showing how these amounts were calculated and applied. I request that this documentation be furnished as part of the resolution.

I appreciate the CFPBs continued advocacy on behalf of consumers and look forward to a fair resolution.

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: FL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I ahve been out of the country for lmoar 15 years and i will come and visit from time to time i came to usa again in XXXX and left again and XX/XX/XXXX came back permanelty but my credit history and information was stolen an now my credit is ruini have been contacting the credit company to advice but getting resolved as just they are investigating but mean while my credit has been destroyee

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under 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 2025-07-12 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: GA

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit report. I am a victim of identity theft, and my report contains multiple accounts and inquiries that I did not authorize. These items are inaccurate and do not belong to me. 

Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit file. Enclosed are a list of the disputed items and a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please investigate this matter promptly and confirm in writing once the fraudulent information has been removed. I appreciate your immediate 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 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Card Acquisitions Group
State: OH

Complaint narrative:
Sent certified letter on XX/XX/XXXX to Foster and Monroe about a duplicate account on my report for {$610.00}. Certified letter requested debt verification and deletion of duplicate account. Received an update today that both accounts, which is really just one account that is on my report twice, will remain on my report, No debt verification whatsoever for either. This is getting ridiculous. Ive asked for several debts to be verified and not one single one has. 

Submitted a dispute with CFPB, and they received in on XX/XX/XXXX, but have yet to respond OR send me verification of these duplicate accounts. Its been over 30 days, and according to 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I have a right to know the chain of verification or the account ( accounts in this case ) must be deleted since its been well over 30 days. Im litigious, especially now since Ive not heard back from this company about this inaccurate information hindering my credit.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-12 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-12 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Close my account without a notification and they dont return my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate and potentially unlawful information on my credit report dated XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am requesting immediate investigation and removal of the following items that are inaccurate, unverifiable, or in violation of federal consumer protection laws.

DISPUTED ITEMS 1. XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX Status : Charge Off Amount : {$10000.00} Issue : DUPLICATE REPORTING AND FCRA VIOLATIONS Legal Basis for Removal : This account appears to be duplicated with the Absolute Resolutions collection account below Under FCRA 1681s-2 ( a ) ( 2 ), furnishers must not report information they know or have reasonable cause to believe is inaccurate The account shows " Transfer/Sold '' status, yet continues to report a balance, creating misleading credit information Violation of FCRA 1681c ( a ) ( 4 ) regarding accuracy requirements 2. XXXX XXXX XXXX XXXX XXXX  XXXX ) Status : Collection Account Amount : {$10000.00} Issue : DUPLICATE REPORTING AND VERIFICATION FAILURE Legal Basis for Removal : This appears to be the same debt as the XXXXXXXX XXXX  account above Under FCRA 1681s-2 ( a ) ( 3 ), reporting the same debt twice inflates the actual debt owed Collection agency must provide verification of the debt under FCRA 1681g Violation of the Fair Debt Collection Practices Act ( FDCPA ) if proper validation was not provided LEGAL REQUIREMENTS FOR INVESTIGATION Under FCRA 1681i ( a ) ( 1 ) ( A ), you must : 1. Conduct a reasonable investigation within 30 days 2. Contact the furnisher of the disputed information 3. Remove or correct any inaccurate or unverifiable information 4. Provide written results of the investigation ADDITIONAL FCRA VIOLATIONS Double Jeopardy Reporting : The same debt is being reported by both the original creditor and collection agency, which : Artificially inflates my debt-to-income ratio Creates inaccurate credit utilization calculations Violates FCRA accuracy requirements under 1681e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: TX

Complaint narrative:
This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against WORLD FINANCE CORPORAT for their continued failure to address this matter appropriately. Account in Question : Creditor : WORLD FINANCE CORPORAT Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$480.00} I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful. Despite several attempts to resolve this matter directly with WORLD FINANCE CORPORAT, they have failed to investigate or take corrective action. I have disputed this account multiple times, yet it continues to remain on my credit report, causing unjustified damage to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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:
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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: TX

Complaint narrative:
This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against DPEDNELNET for their continued failure to address this matter appropriately. Account in Question : DPEDNELNET - XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} Date XXXX, DPEDNELNET XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} Date Opened : XX/XX/year>, DPEDNELNET - XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} Date Opened : XX/XX/year>, DPEDNELNET - XXXXXXXX XXXX XXXX XXXX  * Balance : {$3300.00} Date XXXXXXXX DPEDNELNET XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} Date XXXX. I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful. Despite several attempts to resolve this matter directly with DPEDNELNET, they have failed to investigate or take corrective action. I have disputed this account multiple times, yet it continues to remain on my credit report, causing unjustified damage to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: GA

Complaint narrative:
I am writing to formally dispute XXXX unauthorized hard inquiries that appear on my Equifax credit report. These inquiries were not authorized by me and were made without my consent or a permissible purpose under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: Westlake Services, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX Date : XX/XX/XXXX To : XXXX XXXXXXXX XXXX, XXXX XXXX. Box XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Trafficking Block Request & Personal Information Removal Dear Sir or Madam, I am a verified victim of XXXX XXXX. In accordance with Section 605C of the Fair Credit Reporting Act, I am requesting that the following fraudulent accounts and personal information, which are directly linked to my trafficking experience, be permanently blocked and removed from my credit report. 



XXXX Accounts to Remove : XXXX. XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX. Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$920.00} XXXX. XXXX FIN Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Status : Charged Off XXXX. XXXX Original Creditor : XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX. XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Addresses to Be Removed Immediately : Please delete the following addresses, which were added without my consent and are associated with my trafficking situation : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Employers to Remove : Please also remove the following employers, which are inaccurately listed and connected to the trafficking activity : PROCESS XXXX XXXX XXXX Legal Basis & Request for Confirmation These accounts, addresses, and employers were connected to events during a time I was being trafficked and do not reflect valid or authorized information. I am requesting that : These items be blocked and deleted within 4 business days, as required under FCRA Section 605C A written confirmation be provided to me once the removal is complete Thank you for your prompt attention and compliance with federal protections for survivors. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation