vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
This letter serves as a formal legal notice pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, 1681c-2, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

* See attachments for referenced accounts I hereby formally refuse to pay the above-referenced debt under FDCPA 805 ( c ). You are prohibited from contacting me any further regarding this account, except to notify me of legal action or cessation of collection efforts.

Effective immediately, you must cease all forms of communication with me regarding this matter, including calls, mail, email, or third-party contact. Any further communication will be considered a violation of federal law and subject to penalties under FDCPA 813. Pursuant to FCRA 604 ( a ), I hereby revoke any and all prior authorizationsexpress or impliedthat permitted you to : 1. Access or furnish my personal identifying information 2. Report any data regarding this account to consumer reporting agencies 3. Transfer or disseminate my personal data to affiliates, credit bureaus, or data brokers This revocation includes any authorizations obtained at the time of the original transaction, especially in cases involving identity theft. You no longer have a permissible purpose to share, furnish, or verify any data associated with this account.

This account was included in a identity theft report filed with the Federal Trade Commission ( FTC ) and My local Police department. Any further data furnishing or collection activity on this account will be considered : 1. Unauthorized access and willful noncompliance under FCRA 616 2. Negligent violation under FCRA 617 3. Unlawful collection activity under FDCPA 807 & 808 You are now on legal notice. Govern yourselves accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX services have been reporting 3 account on my file and I reported it as ID theft but the accounts were not totally removed with association of Equifax-reinvestigation procedures were not properly reinvestigated to the extent of the law. Equifax provided with Police report mailed today with copy of report way back in 2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX services have been reporting 3 account on my file and I reported it as ID theft but the accounts were not totally removed with association of Equifax-reinvestigation procedures were not properly reinvestigated to the extent of the law. Equifax provided with Police report mailed today with copy of report way back in 2024.

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 2025-06-09 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: KY

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and fraudulent information being reported on my credit files by TransUnion, Experian, and Equifax. Despite my repeated disputes and demands for proper investigation, these credit bureaus continue to report several accounts as verified without providing adequate proof or conducting thorough investigations as required under the Fair Credit Reporting Act ( FCRA ). 

The following accounts have been repeatedly disputed as fraudulent and unauthorized, yet they remain on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have never opened or authorized these accounts. Their presence on my credit report is causing me significant financial and emotional harm. The credit reporting agencies have failed in their duty to reasonably investigate the legitimacy of these accounts, even after being provided with detailed dispute information.

Under Section 605B of the FCRA and related federal laws regarding identity theft and credit fraud, I am requesting that these fraudulent accounts be permanently removed and blocked from all of my credit files. These agencies are in violation of their legal obligations by continuing to report inaccurate and fraudulent information after being formally notified. 

I respectfully request that the CFPB take immediate action to hold these credit bureaus accountable and ensure that these fraudulent accounts are removed in accordance 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 non-monetary relief
Consumer complaint received 2025-06-09 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:
I am submitting this formal complaint regarding inaccurate and fraudulent information being reported on my credit files by TransUnion, Experian, and Equifax. Despite my repeated disputes and demands for proper investigation, these credit bureaus continue to report several accounts as verified without providing adequate proof or conducting thorough investigations as required under the Fair Credit Reporting Act ( FCRA ). 

The following accounts have been repeatedly disputed as fraudulent and unauthorized, yet they remain on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have never opened or authorized these accounts. Their presence on my credit report is causing me significant financial and emotional harm. The credit reporting agencies have failed in their duty to reasonably investigate the legitimacy of these accounts, even after being provided with detailed dispute information.

Under Section 605B of the FCRA and related federal laws regarding identity theft and credit fraud, I am requesting that these fraudulent accounts be permanently removed and blocked from all of my credit files. These agencies are in violation of their legal obligations by continuing to report inaccurate and fraudulent information after being formally notified. 

I respectfully request that the CFPB take immediate action to hold these credit bureaus accountable and ensure that these fraudulent accounts are removed in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions 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. This is do not refute my complaint by stating that XXXX XXXX XXXX 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 2025-06-09 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: 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. This is do not refute my complaint by stating that XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXXXX/XX/XXXX - {$450.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2500.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00XXXX XXXX XXXX XXXXXX/XX/XXXX - {$29.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXXXX/XX/XXXX - {$30000.00} XXXX  - XX/XX/XXXX - {$69.00} Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I am filing a complaint against Credit Acceptance Corporation and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX for what I believe are deceptive, predatory lending practices targeting low-income buyers. 

In XXXX, I was attempting to buy a reliable vehicle for my family. I was told by the dealership that this was the only new vehicle I could qualify for, and I was pressured to sign a high-interest loan at XXXX  %, which made a {$16000.00} car a total of {$34000.00}. All done electronically on a tablet, without being given full access to review the documents until after they were signed. 

Shortly after purchasing the car, the XXXX shutdown hit, and I experienced severe financial hardship as a single mother with limited income. I filed for XXXX, and my trustee made over {$2100.00} in payments to Credit Acceptance Corporation ( approximately {$1200.00} in principal and {$880.00} in interest ). 

Due to continuing hardship, my bankruptcy had to be dismissed even though we tried to extend it under the CARES Act, and despite the auction of my vehicle ( they claim it sold for {$12000.00} verbally over the phone ), Credit Acceptance Corporation is now suing me for {$7300.00}. I never received a full accounting or documentation of these numbers. I also made thousands of dollars in payments directly to Credit Acceptance. Credit Acceptance made several verbal settlement agreements with me over the phone, but never provided any written documentation to support this. I made payments towards those settlement agreements, and Credit Acceptance failed to credit my balance for those payments.

They are continuing to add interest and fees on top of this amount, and my credit report has inconsistencies, such as showing different original balances ( {$30000.00}, then {$17000.00} ), and changing the loan type from auto to installment, which is confusing and misleading.

I believe Credit Acceptance Corporation and the dealership may be engaged in a pattern of targeting low-income and vulnerable consumers, funneling them into inflated contracts with unfair terms, then repossessing the vehicle, auctioning it off, and pursuing lawsuits without properly reflecting payments or auction credits.

I have submitted a Motion to Compel Arbitration in court, per the contract terms, but Im also reporting this to you because these practices could be affecting many other XXXX  families. 

I respectfully request : A formal investigation into Credit Acceptance Corporation and XXXX XXXX XXXX loan practices A review of my credit reporting Consideration for debt relief or dismissal based on the payments, auction, and documented financial hardship I can include documentation to support my claims and am available for follow-up if needed.

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 2025-06-09 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: NH

Complaint narrative:
I reviewed my consumer reports and noticed that i had 6 late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late and those are close account. Thanks! Please see screenshot attached :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Starting from 2024, I have been trying to use this giftcard for purchases in stores or online, and not a single transaction has gone through.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: RI

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 letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: RI

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 letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I am disputing a negative credit reporting by JPMorgan Chase Bank ( JPMCB ) regarding my credit card account. I was XXXX from XX/XX/XXXX, to XX/XX/XXXX, and during that time, in-store transactions were made using the chip on my credit card. I still have the physical card in my possession, and I did not authorize or perform any of those transactions. 

I contacted Chase to dispute the charges and explain that I could not have made them due to my incarceration. However, they told me they could not investigate or remove the charges because the chip was used and I still had the card. This is not a reasonable conclusion, as I was physically unable to shop or use my card while in XXXX 

Chases refusal to acknowledge or investigate these transactions has caused inaccurate late payments ( 120 days ) to appear on my credit report, severely impacting my credit score. I maintain that these charges were unauthorized, and I am requesting a full re-investigation of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I am filing this complaint against Bridgecrest and the XXXX major credit bureausXXXX XXXX XXXX XXXXregarding an account that is being inaccurately reported on my credit profile. Below are the relevant details : Creditor : Bridgecrest Account Number : XXXX ( listed on both XXXX XXXX XXXX XXXX Account Type : Auto Loan ( Installment ) Opened On : XX/XX/XXXX Original Amount : {$330.00} Charged-Off Amount : {$300.00} Reporting Status : Charge-Off Date of Last Payment : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Last Active : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Comment : Delinquency due to delay in insurance claim. Charged off account. Balance paid or being paid by insurance company.

Summary of Issues : 1. Inaccurate Charge-Off Reporting : The account in question was charged off due to delays caused by an insurance claim, which has since been paid ( or is in the process of being paid ) by the insurer. Despite this, Bridgecrest and the credit bureaus continue to report the account as charged off with a past-due balance.

2. Failure to Update Status Post Payment/Settlement : The credit bureaus are legally obligated under the Fair Credit Reporting Act ( FCRA ) to report only accurate and complete information. The current reporting fails to reflect the updated status of the account, especially considering that the balance was resolved by the insurance company.

3. Violation of FCRA Section 611 & 623 : Despite previous attempts to dispute this information, the credit bureaus and Bridgecrest have failed to conduct a reasonable investigation and update or delete the inaccurate reporting as required under FCRA 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ).

This inaccurate reporting is causing me harm by lowering my credit score and misrepresenting my creditworthiness. I respectfully request the CFPB to assist in ensuring that this matter is investigated promptly and corrected as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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