vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: IL

Complaint narrative:
A person with the initials of XXXX XXXX is using my address illegally They also are applying for loans and using my address They applied for credit cards with several companies using my address I have teporyed this person to the postal service This is also a form of identity theft that has caused me issues in the past

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 2025-06-13 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: IL

Complaint narrative:
A person with the initials of XXXX XXXX is using my address illegally They also are applying for loans and using my address They applied for credit cards with several companies using my address I have teporyed this person to the postal service This is also a form of identity theft that has caused me issues in the past

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 2025-06-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
A person with the initials of XXXX XXXX is using my address illegally They also are applying for loans and using my address They applied for credit cards with several companies using my address I have teporyed this person to the postal service This is also a form of identity theft that has caused me issues in the past

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
CFPB Complaint Statement Complainant : XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, Florida XXXX Subject : Inaccurate Credit Reporting and Unverified Inquiries in Violation of the FCRA I am filing this complaint against the XXXX XXXX XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding inaccurate personal information, unauthorized inquiries, and an unverifiable charge-off account. 

Upon reviewing my credit report obtained through XXXX, I identified several errors that are either inaccurate, outdated, or can not be verified. I have submitted a formal dispute along with the necessary identification and documentation to initiate a proper investigation. However, I am concerned that the required reinvestigation, method of verification, and full file disclosure as mandated by federal law, have not been properly fulfilled. 

Items in Dispute Inaccurate Personal Information Incorrect Name : XXXX XXXX ( This variation should be corrected or removed. ) Unauthorized Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( I did not authorize these inquiries and request their immediate deletion. ) Unverifiable Charge-Off Account Creditor : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( The reporting of this account is inaccurate and unverifiable. I request removal. ) Violations of the FCRA The following legal responsibilities have not been met : 15 U.S.C. 1681e ( b ) : The agency failed to ensure maximum possible accuracy through reasonable procedures.

15 U.S.C. 1681i ( a ) ( 1 ) : A reasonable, good-faith reinvestigation of disputed items is required.

15 U.S.C. 1681i ( a ) ( 5 ) : Inaccurate or unverifiable information must be deleted or corrected. 

15 U.S.C. 1681i ( a ) ( 7 ) : A detailed method of verification must be provided upon request.

15 U.S.C. 1681g : A full consumer file disclosure must be provided.

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 2025-06-13 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: FL

Complaint narrative:
CFPB Complaint Statement Complainant : XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, Florida XXXX Subject : Inaccurate Credit Reporting and Unverified Inquiries in Violation of the FCRA I am filing this complaint against the XXXX XXXX XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding inaccurate personal information, unauthorized inquiries, and an unverifiable charge-off account. 

Upon reviewing my credit report obtained through XXXX, I identified several errors that are either inaccurate, outdated, or can not be verified. I have submitted a formal dispute along with the necessary identification and documentation to initiate a proper investigation. However, I am concerned that the required reinvestigation, method of verification, and full file disclosure as mandated by federal law, have not been properly fulfilled. 

Items in Dispute Inaccurate Personal Information Incorrect Name : XXXX XXXX ( This variation should be corrected or removed. ) Unauthorized Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( I did not authorize these inquiries and request their immediate deletion. ) Unverifiable Charge-Off Account Creditor : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( The reporting of this account is inaccurate and unverifiable. I request removal. ) Violations of the FCRA The following legal responsibilities have not been met : 15 U.S.C. 1681e ( b ) : The agency failed to ensure maximum possible accuracy through reasonable procedures.

15 U.S.C. 1681i ( a ) ( 1 ) : A reasonable, good-faith reinvestigation of disputed items is required.

15 U.S.C. 1681i ( a ) ( 5 ) : Inaccurate or unverifiable information must be deleted or corrected. 

15 U.S.C. 1681i ( a ) ( 7 ) : A detailed method of verification must be provided upon request.

15 U.S.C. 1681g : A full consumer file disclosure must be provided.

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 2025-06-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I am disputing a 30-day late payment reported by Comenity Bank/Forever 21 on a closed account XXXX. The late payment occurred during the COVID-19 pandemic, a time when I was dealing with medical issues, potential bank fraud, and national emergency conditions. I do not recall receiving the billing statement or being properly notified. This reporting is not only questionable under FCRA 1681e ( b ), but also inconsistent with CFPB guidance encouraging lenders to work with consumers during declared disasters. My record otherwise reflects long-term positive standing. I request this account be updated to reflect paid as agreed or the late mark removed entirely in light of these circumstances. AGAIN, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or it was the time I was going through some medical emergencies my bank might of blocked my checking account due to fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report. I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove these accounts before i seek litigation for defamation of character ) XXXXXXXX XXXX XXXX XXXX balance {$720.00}, XXXX XXXX balance {$0.00}, XXXX XXXX balance {$930.00}, XXXX XXXX BALANCE {$620.00}, XXXX XXXX XXXX {$18000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove these accounts before i seek litigation for defamation of character ) XXXXXXXX XXXX XXXX XXXX balance {$720.00}, XXXX XXXX balance {$0.00}, XXXX XXXX balance {$930.00}, XXXX XXXX BALANCE {$620.00}, XXXX XXXX XXXX {$18000.00}.

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 2025-06-13 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: NJ

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 2025-06-13 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: NY

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary XXXX. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: IL

Complaint narrative:
This letter is to address a serious and unacceptable violation of my privacy and consumer rights. After carefully reviewing my credit report, I noticed a hard inquiry made by that I never authorized, consented to, or initiated in any form. Let me be clear : at no point did I give this company permission to access my credit file. 

This inquiry was placed without my knowledge or consent, which is a direct breach of the Fair Credit Reporting Act ( FCRA ). Under federal law, no entity is allowed to pull my credit unless Ive explicitly authorized it and that authorization does not exist in this case. This was either a gross oversight or a fraudulent attempt to access my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: Self Financial Inc.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report. I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report. I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: AZ

Complaint narrative:
To whom it may concern, Under the Fair Credit Reporting Act, I have the right to challenge any information on my credit report that I believe to be incorrect. It's important to me that my credit report is accurate, and I take this matter seriously. While I dispute the claims of delinquency and derogatory information on my account, I request that you provide me with evidence to support your position. 
Specifically, I would like to see proof that the inquiries and accounts in question have a permissible purpose. I'm reaching out to you today because I'm concerned that this matter has not been handled properly. However, I believe that we can resolve this issue promptly and without any escalation. Therefore, I respectfully ask that you provide me with an updated credit report within the next 30 days. If the information is inaccurate, I ask that you remove it from my report. I appreciate your assistance in this matter and look forward to receiving your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
Equifax failed to comply with the Fair Credit Reporting Act after I disputed a fraudulent account from XXXX XXXX XXXX XXXX. 

This account is not mine. I have no contract or relationship with XXXX XXXX or XXXX XXXX. I submitted a formal dispute, and Equifax  marked it as frivolous refusing to reinvestigate without justification. This is a direct violation of FCRA 1681i, which requires a reasonable reinvestigation and prohibits ignoring disputes without a valid reason. 

I also referenced an FTC Identity Theft Report ( Report # XXXX ) in my dispute. Instead of blocking the account or verifying its legitimacy, Equifax took the furnishers word and allowed false information to stay on my report with no documentation, no signed contract, and no proof I owe this debt. 

Their actions are reckless and damaging. My credit score has suffered. Ive been denied credit, and this is affecting my financial stability. Equifaxs refusal to act properly is unacceptable, and Im requesting CFPB enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: United PanAm Financial Corp.
State: CO

Complaint narrative:
Vroom, who is also my lender through United Auto Credit, knowingly sold me a XXXX XXXX, a vehicle with extensive prior damage and undisclosed reconstruction. The title was clean at the time of sale, but I later discovered signs of title washing, mechanical tampering, and multiple hidden issues that have led to repeated drivetrain failures. I brought the vehicle to XXXX many times reporting transmission concerns, and since, the entire drivetrain has failed, including the differential three times in one year. 

Despite having an open customer case with XXXX for over seven months, and clear signs of a defective and unsafe vehicle, Vroom and United Auto Credit have refused to address the fraud or negotiate any resolution. I have demanded a full buyback and restitution, and since doing so, they have ghosted me entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: NY

Complaint narrative:
i sent transunion, equifax, and experian letters on XXXX XXXX disputing the inaccurate information they are reporting on my credit report, it has been past the 30 days required by the fcra to respond. It is a violation of 15 usc 1681i, 15 usc 1681n, and 15 usc 1681o. I sent a 2nd round of letters on XXXX to all 3 agencies and they haven't responded yet. i am requesting that the inaccurate information be deleted from my credit report ASAP or i will move to litigation.

Company response to consumer: Closed with non-monetary relief