vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: 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.

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-12 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: The Receivable Management Services LLC
State: TX

Complaint narrative:
A dispute was submitted last month to the credit bureaus regarding the account RECEIVABLE MANAGEMENT XXXX, which is being inaccurately reported under my name. I am formally notifying you that this is not my account. My personal information has been used without my consent in connection with fraudulent activity, and I am demanding that an investigation be conducted in accordance with 18 U.S.C. 1028A, which makes it a federal crime to knowingly use, transfer, or possess someone else 's identification to commit a felony. RECEIVABLE MANAGEMENT is currently reporting XXXX IN. as the original creditor ; however, I have never held an account with this company. This information was included in my prior dispute, which Ive reattached for your reference. You were also informed that my identity was previously stolen and that a police report was filed with XXXX XXXX, resulting in the IRS requiring me to use an Identity Protection PIN for tax purposes moving forward. If additional confirmation is needed, you may contact the XXXX Police Department. I am under no legal obligation to prove that an unauthorized account is not mine the burden of proof lies with the furnisher to validate the debt. While your investigation is ongoing, I am demanding the immediate deletion of this account from my credit report, as it is not my debt. I have also attached a copy of my FTC Identity Theft Report to support this request.

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 2025-06-12 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 this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX XXXX Balance : {$1500.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$2900.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1500.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$1000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Balance {$470.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$230.00} Open Date XX/XX/XXXXXXXX  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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
When I checked my credit report today, I was surprised to find some inaccurate accounts that I can't explain. I review my report regularly, but these inconsistencies just showed up out of nowhere. I attempted to refresh the browser in case it was an error, but nothing changed. Im asking for a thorough examination of the documents Ive sent to resolve this problem and give me peace of mind.

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 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McKenzie Paul & Associates
State: TX

Complaint narrative:
In XX/XX/year>, I contacted XXXX XXXX XXXX XXXX through XXXX regarding a one-time pest control service. They quoted me {$110.00} for quarterly service, with a 50 % discount on the first visit. In our back-and-forth emails, they never clearly stated that I would be entering into a recurring contract. When the technician arrived, I signed the paperwork without reading all the fine print, which I now realize was my mistake, but I did not knowingly agree to a long-term contract. 

At the time of service, I attempted to pay using my card, but the technicians payment machine kept rejecting them. He told me they would send me an email invoice. I never received any invoice. Unfortunately, I lost access to the email address I had used shortly after. I take full responsibility for not updating my contact information. However, the company had my correct phone number ( XXXX ) at the time. This is the number they originally used to call and text me to confirm the appointment. 

Despite having my valid phone number on file, I never received any communication via phone or text regarding a missed payment or account balance. I never received a follow-up service visit in XXXX either. The first time I heard anything was months later, when I received a notice from a debt collector, stating I owed {$210.00}. 

When I called the debt collector, I was told that the phone number the pest control company provided was XXXX a number I do not recognize and never used. I asked the debt collector to send me the records or details of the debt, and she said she could not because it's in a spreadsheet. 

If you review my original message to the company ( via XXXX ), you can clearly see I provided my correct number ( XXXX ). Im not refusing to resolve this, I simply feel I was never properly notified or given a fair opportunity to address the issue before it was sent to collections. I never received service after XXXX, and I had no idea I owed anything until I got a letter from a collection agency. 

Im requesting that this debt be pulled from collections and handled directly with me under fair terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UPGRADE, INC.
State: KY

Complaint narrative:
In late XX/XX/XXXX I was laid off from my government contract employer unexpectedly. I was able to apply and receive unemployment but it was a very small amount and barely XXXX of my normal paycheck. I was current on my Upgrade loan until then and had already paid off a previous loan with them. This particular loan was taken in XX/XX/XXXX so I had only made one or two payments before the layoff. I contacted them in XX/XX/XXXX to explain my situation. At first the agent told me my loan was to new for hardship assistance and after explaining my situation she told me that I needed to submit an email to servicing @ upgrade.com explain the situation and provide proof of my lay off. I submitted that email on XX/XX/XXXX. I never received a response via email or phone on this. I also did not receive any notice of late payments on the loan and there were no late payments showing on my credit report. So I was still concerned, so I sent a second email on XX/XX/XXXX with the same information and still no response. In XX/XX/XXXX the late payments showed on my credit report which took me from over a XXXX to under XXXX and I was still unemployed even after numerous attempts at finding gainful employment. Upgrade still had not responded to my emails. In XX/XX/XXXX I finally got a job and sent a third email to XXXX in hopes of them replying. I asked that if I made the full late payment and signed up for autopay, would the remove the dings from my credit report. No response. So I chatted with an agent on their sight and they explained that " no '' they would not do that. So now I have a completely destroyed credit score and they were the only company that did not provide hardship assistance. Even if I pay the lump sum amount owed, my credit score has suffered and Upgrade will not help. All my other companies were very helpful and provided much needed assistance during my stressful situation. All I am asking is that they remove the late payments so my credit score will go back. I worked for years to get it to over XXXX and then this happened. I will pay my late amount and signup for auto pay and continue to make payments as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Sparrow Financial, Inc.
State: NJ

Complaint narrative:
Missed payment due date. Asked for late fee XXXX to be WAIVED. was hospitalized .. Company refused to work with me as a customer. Made a past due payment and yet the Company has " HARASSED '' me with numerous calls on current amount due and I did clear u past due payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Capital OneXXXX XXXX has reported three late payments on my credit file, including 30- and 60-day delinquencies for XXXX and XX/XX/year>, which I dispute as inaccurate and harmful. These late marks were triggered during a documented hardship period where the VA delayed critical income deposits affecting my ability to pay on timethis is verified, ongoing, and a situation beyond my control. 

I also attempted to resolve this matter directly with the creditor, but they provided no documentation validating the legitimacy or accuracy of the late marks under FCRA 609 or 623. Additionally, one of the items I ordered during this time ( a designer shirt ) was sent incorrectly and has not been authenticated properly, suggesting further inconsistency in the creditors business practices.

At no point was I given a proper investigation under the Fair Credit Reporting Act ( FCRA ), and no formal notice was sent to allow me to dispute the debt before these marks were added. I am actively rehabilitating my credit, and these three late payments are materially inaccurate and disproportionately harmful to my score and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: MD

Complaint narrative:
Dear Source Receivables Management I recently received communication through my credit reports from your office for the first time XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. * * * Permissible Purpose Please state your permissible purpose for accessing my credit information which I consider to be very sensitive. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES 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 non-monetary relief
Consumer complaint received 2025-06-12 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: CT

Complaint narrative:
The XXXX  XXXX XXXX secured credit card account ending in XXXX XXXX is being reported with a stagnant balance and repeated charge-off notations for over two years. This violates the requirement under FCRA 1681i ( a ) for proper reinvestigation and correction of disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
Im requesting your help to look into certain accounts that are showing incorrect late payment reports. Ive reviewed my credit report and found false late payment records on specific accounts. These are errors, and there should be no such remarks.

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 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: FL

Complaint narrative:
Deposited money through cashapp and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 2025-06-12 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: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX PA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX, I had a 29-minute phone conversation with a Bridgecrest representative named XXXX, along with an Executive Manager ( whose name I unfortunately did not obtain ).

During this call, both representatives admitted the following : 1. Bridgecrest broke their own internal six-month policy requiring a history of six consecutive on-time payments before granting any extensions. They stated this was done as a courtesy due to my recent job loss.

2. They also acknowledged that Bridgecrest failed to clearly communicate the critical detail that I had only two business days to electronically sign the extension documents, otherwise the offer would automatically expire.

As a result of these internal missteps and lack of transparency, I am now being told I must pay {$390.00} by XX/XX/year> or face repossession of the vehicle. 

I am submitting this update to ensure the Consumer Financial Protection Bureau has a complete and accurate record of the companys own admission of fault. I believe this demonstrates a clear failure of fair dealing and proper business practices on Bridgecrests part.

Company response to consumer: Closed with explanation