vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making XXXX XXXX XXXX XXXX it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. The vehicle included a {$2700.00} wrap-around powertrain warranty that was not properly disclosed as overlapping with the existing factory coverage. At the time of purchase, the vehicle had XXXX miles, which reduced the duration of the remaining warranty. This critical detail was not explained during the sale. 

Since XX/XX/XXXX, the vehicle has experienced a series of worsening mechanical and safety failures. These include erratic gear shifting, transmission fluid leaks, brake instability, delayed throttle response, and multiple electronic issues such as false collision warnings, GPS malfunction, and odometer flashing. By early XXXX, the vehicle became unsafe and inoperable. In addition, persistent fuel vapor entering the cabin created a significant health and fire hazard. 

I submitted over eight service requests, but XXXX and XXXX XXXX XXXX refused to perform valid warranty repairs. I received four formal denial letters from the manufacturer, many of which contained nearly identical, generic responses. I was even instructed to continue driving the vehicle despite an active transmission fluid leak, which posed a clear safety risk. 

Despite the vehicle being unusable, I have continued making monthly loan payments of approximately {$740.00}. The total financial burden I have incurred now exceeds {$43000.00}, which includes the cost of the vehicle, extended warranty, insurance, and other related losses. I also requested documentation regarding warranty coverage, repair findings, and recall XXXX, but received either vague responses or no information at all. 

I have filed formal complaints with the Arizona Attorney General under ID XXXX, the XXXX XXXX XXXXXXXX , the National Highway Traffic Safety Administration under Complaint Number XXXX, and the Consumer Financial Protection Bureau . I have also submitted a mental health verification letter from a licensed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  directly related to this situation. 

This case raises serious concerns involving warranty fraud, deceptive extended warranty sales practices, failure to disclose material information, potential violations of XXXX and civil rights protections, and significant public safety risks. I am requesting that the FTC initiate an investigation and hold the responsible parties accountable for financial damages, misrepresentation, and failure to honor federal warranty obligations under the Magnuson-Moss Warranty Act and related consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: MI

Complaint narrative:
I recently ordered my consumer credit reports, and upon review I uncovered inconsistency of late payment being reported XX/XX/year> on an account that I have always maintained the payment in a timely current manner according to the contract, and per the monthly reported pay history. I understand that Consumer Reporting Agencies play a vital role in reporting consumer information accurately. I have never missed a payment on the following account { XXXX FED XXXX } account number { XXXX } I am requesting a complete investigation into the discrepancy, and require that you to provide evidence such as statements demonstrating the lateness of this payment. If such proof is unable to be furnished, I humbly request that this payment be updated to reflect paid on time as agreed, as I have consistently upheld my payment agreement without delay or lateness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax, Transunion credit reporting agency , XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at easternaccos on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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:
I am a victim of Data Breach and Identity Theft. Please, block and delete the account within XXXX business days pursuant to FCRA XXXX15 U.S.C. XXXX. ( XXXX XXXX ) XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: MA

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. CXXXXe XXXXb 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: TX

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of 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 2025-05-04 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: TX

Complaint narrative:
XXXX is reporting an open account with a balance the account should be reported as closed and paid in full XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: January Technologies, Inc
State: GA

Complaint narrative:
Received an email on the behalf of XXXX XXXX to collect payment. I asked for validation of debt. Received a response of cooperation. Then received a response of login to make a payment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I spoke with progressive agent over the phone when my account was closed because there was a charge for a service I did not authorize or use and the agent realized the mistake and assured me it would be removed before account was closed. It was not. Next I know it was sold to coll. XXXX who keeps resubmitting over and over even after credit reporting agency has investigated and removed the collector just resubmits the account and it messes with my report. I have repeatedly tried to tell credit reporting agency ( s ) this and they simply tell me if the collection agency submits the collection it has to go on my report. Like XXXX? Really?! It's extremely frustrating that I'm having this stupid problem and my credit report has kept my life pinned back for the last XXXX. This is absolutely ridiculous. Another thing going on was XXXX reporting agency would remove it and another would not at the same time- like if the collection agency would wait a month or XXXX to report it to another agency keeping me in an infinite loop of dispute nonresolution. The collection agency should be disciplined for this nonsense. We are literally talking about dealing with my life here. No one cares enough because it's not their file. I'm at wits end already.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-04 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and XXXX XXXX XXXX XXXX XXXX XXXX XXXX it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: FL

Complaint narrative:
[ * * Experian Dispute Department * * Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX  * * Subject : * * Formal Dispute of Incorrect Late Payment Reporting XXXX XXXX Account # XXXX Dear Experian Dispute Department, I am writing to formally dispute the inaccurate reporting of late payments on my XXXX XXXX  account ( # XXXX ) for XX/XX/XXXX. I have never been late on this account, and the erroneous information on my credit report is causing undue harm to my creditworthiness. 

Under the * * Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. XXXX et seq. ) * *, consumer reporting agencies are required to ensure the accuracy and integrity of the information they report. Specifically, * * XXXX U.S.C. XXXX * * mandates that credit reporting agencies conduct a reasonable reinvestigation of disputed information. Additionally, under * * XXXX U.S.C. XXXX ( b ) * *, Experian is obligated to maintain reasonable procedures to ensure maximum possible accuracy in consumer reports. 

Furthermore, as outlined in the * * Consumer Financial Protection Bureaus ( CFPB ) lawsuit against Experian * *, the company has been accused of failing to properly investigate consumer disputes, conducting superficial investigations, and reinserting inaccurate information into consumer reports without proper verification. * * I am a direct victim of these violations * * and Experians failure to fulfill its legal obligations has caused me financial harm. 

Given these legal responsibilities and the pending litigation against Experian, I demand that : 1. Experian conduct a * * thorough and lawful reinvestigation * * of my dispute. 
2. The * * incorrect late payment entries for XX/XX/XXXX and XX/XX/XXXX be removed * * from my credit report immediately.

3. I receive * * written confirmation * * that the corrections have been made. 
4. Experian * * cease any further reporting of inaccurate information * * regarding my XXXX XXXX account. 

Failure to comply with these demands may result in further legal action, including * * a formal complaint to the CFPB * * and * * potential litigation for damages * * caused by Experians failure to uphold its legal responsibilities. 

Please respond to this dispute within the legally required * * 30-day timeframe * * as outlined in the FCRA. I expect a written confirmation of the resolution of this matter. 

Sincerely, [

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 2025-05-04 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: GA

Complaint narrative:
I recently discovered that I have been a victim of identity theft after reviewing my credit report on XX/XX/year>. Multiple accounts were opened and used fraudulently in my name without my knowledge or authorization. These accounts include auto loans, credit cards, and installment loans, many of which are now in collection status or have been charged off. I promptly filed a police report and submitted an Identity Theft Affidavit to the Federal Trade Commission. On XX/XX/year>, I submitted formal written requests to all three major credit bureaus ( Equifax, Experian, and TransUnion ) under FCRA Section 605B, demanding they block the fraudulent accounts from my credit report within the XXXX business days required by law. Despite providing all required documentationincluding my ID, proof of address, police report, and the FTC affidavitsome of these accounts are still being reported as valid, and no confirmation of a block has been received. These fraudulent accounts are damaging my credit standing and causing ongoing distress. I am seeking CFPBs help to ensure the credit bureaus comply with federal law and remove the fraudulent data from my credit reports.

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 2025-05-04 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-04 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: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, WA XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate and Unverified Information FCRA Compliance Required To Whom It May Concern, I am writing to formally dispute the accuracy and legitimacy of certain accounts and inquiries currently appearing on my Experian credit report. This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ). 

The following accounts are being reported without my authorization, and no original documentation has been provided to establish my responsibility or liability. Under the FCRA, you are required to conduct a reasonable reinvestigation and delete any information that can not be verified. 

Disputed Accounts : Creditor Name Partial Account Number Reason for Dispute XXXX XXXX XXXX XXXX XXXX * * * * Unverified/Unauthorized Radius Global Solutions XXXX * * * * Unverified/Unauthorized Enhanced XXXX XXXX XXXX XXXX XXXX XXXX Unverified/Unauthorized Credence RM XXXX XXXX XXXX XXXX Unverified/Unauthorized Affirm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Unverified/Unauthorized Please XXXX XXXX XXXX with documentation from the original creditors that includes my signature on the original contract. If you are unable to provide verifiable evidence, these accounts must be immediately deleted from my credit file under 15 U.S.C. 1681i ( a ) ( 5 ). 

Disputed Hard Inquiries : I am also disputing the following hard inquiries, which do not correspond to any credit applications or authorizations I initiated. These inquiries were made without my consent and may constitute a violation of 15 U.S.C. 1681b, which restricts access to consumer reports to entities with a permissible purpose. 

XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maine XXXX XXXX XXXX XXXX XXXX These inquiries should be removed immediately as they reflect unauthorized access and do not ensure the maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). I further request that all non-account holding inquiries over XXXX XXXX  old be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief