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

Complaint narrative:
COMPLAINT TO CFPB FALSE LATE PAYMENTS & CONFLICTING REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) COMPLAINT SUMMARY : INCORRECT LATE PAYMENTS & CONFLICTING DATA IN CREDIT REPORT Dear CFPB, I am filing this formal complaint due to repeated violations of the Fair Credit Reporting Act ( FCRA ) by one or more credit reporting agencies and/or data furnishers related to my XXXX XXXX XXXX account . 

Despite having no delinquent activity on this account, it is being falsely reported with XXXX late payments for XXXX and XX/XX/XXXX, which are completely inaccurate and contradict other data shown on the same reports. 

Account Details : Creditor : XXXX XXXX XXXX Account Number ( Last XXXX digits ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( varies by bureau ) Reporting Agencies Involved : Equifax Reported Late Payments : XX/XX/XXXX, XX/XX/XXXX Disputed Status : Marked as under dispute but not corrected Contradiction : The payment history in other months shows consistent OK/on-time status, and the late notations are inconsistent with the activity timeline. For example : Equifax reports activity in XX/XX/XXXX but also shows inconsistent past due status Legal Basis for My Complaint : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to : FCRA 1681e ( b ) : Reports must maintain maximum possible accuracy. This inaccurate late payment reporting is damaging and demonstrably false.

FCRA 1681i : Upon dispute, a reasonable reinvestigation must be conducted. I already disputed this item and the inaccurate reporting remains.

FCRA 1681s-2 ( b ) : The furnisher ( XXXX XXXX  XXXX or the agency reporting on its behalf ) is required to properly investigate and correct or delete inaccurate data once a dispute has been received.

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

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: State Cap Auto Finance, Inc
State: RI

Complaint narrative:
I had madey payments 48 of 48. State Cap Auto Finance has not sent me my title. They are saying I owe them more money. I had made all my payments plus XXXX in late fees, I am told I still owe XXXX. No I do not. This bank has charged me fees every month even when I was making my payments on time. I feel I been scammed right from the start. i have a witness.. I want my title I do not owe them anything more. This is wrong I was sold a warranty that I never even knew I purchased until the warranty company kept calling me, that is when I knew I was scammed by the dealership. The dealership own the bank, State Cap Auto Finance.

I am being charged every month. Look. If there is anything else you need please request it please

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

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-05 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: CT

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: NY

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 605B 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 2025-05-05 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 am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

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 2025-05-05 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: MD

Complaint narrative:
I do not recognize this address. Please remove it from my report. Thank you. 

XXXX XXXX XXXX XXXX XXXX, MD 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 2025-05-05 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: Carvana Group, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from Carvana with approximately XXXX miles. I paid {$3500.00} upfront, which included a down payment and delivery/shipping fees. XXXX XXXX provided the financing, with a monthly payment of {$380.00} and an interest rate of XXXX %, despite my credit score being XXXX at the time of purchase. 

Since the date of purchase, I have been unable to legally drive the vehicle due to Carvanas failure to provide proper registration and license plates. The temporary XXXX  tags they issued expired on XX/XX/XXXX, and as of today, I have still not received permanent plates or valid registration for the vehicle. Carvanas website falsely stated that my registration was complete, and I was repeatedly given conflicting, inaccurate information by both Carvana and XXXX. 

Despite this, I have continued to make my monthly payments to XXXX, paid {$1100.00} in full for car insurance, spent {$490.00} ( and counting ) on XXXX and transportation expenses, and incurred {$1600.00} in repair costs all for a car I legally can not drive and have not driven since the temporary tags expired. My current out-of-pocket expenses total {$8600.00} and are still increasing. 

I also filed a police report regarding the expired and invalid XXXX  temporary tags and contacted Carvana and XXXX numerous times seeking help and resolution, with no success. I have filed complaints with the XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX. I have now also reached out to local media due to the hardship this situation continues to cause. 

I am seeking a full refund of all funds paid to date, cancellation of the loan, and immediate removal of this loan from my credit report with no repossession or derogatory marks. I also want the vehicle returned and this entire transaction voided. 

This has been an unethical, unfair, and highly damaging experience, and I am formally requesting the Consumer Financial Protection Bureaus urgent assistance in resolving this matter.

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

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists of a student loan account opened at Department of Education / XXXX on XX/XX/XXXX under the account number XXXX, with a balance of {$3600.00}. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, 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, and hard inquiries are the result of identity theft and fraud.

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

Complaint narrative:
My Name Is XXXX XXXX, Social Security Number : ( XXXX ), XX/XX/XXXX Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CIG FINANCIAL LLC
State: TX

Complaint narrative:
The company just now charged it off for XXXX, but only had to pay {$380.00} The company name CIG Financial ; dated XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I have a checking account with Huntington Bank ( Minnesota ). I've never had paper checks attached to this account. When I was checking my account online, I found a photo of a paper check that was cashed from my account with my name on it, made out to some XXXX lady for {$4900.00}. The signature is NOT mine and there's two signatures on the back from when they somehow got it cashed. How did a bank issue that money without an ID or why didn't my bank flag it or notify me? How did this person get my routing number and account number? My auto bills are connected to my debit card only, not connected to my direct bank account. I have made a police report on XX/XX/scrub> 2025, but I haven't heard anything from them at all. Huntington hasn't credited me the fraudulent check amount. Around the date of that check, there were additional charges that were not made by me. I have reported those to the bank and police department also. I did not get credit for the charges I proved were not from myself. A few of them were made in states other than Minnesota. I don't travel out of my own county.

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

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 605B 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 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent a letter dated XX/XX/year> which was addressed to XXXX XXXX XXXX XXXX. They received it on XX/XX/XXXX via XXXX certified Mail. XXXX sent a letter back to me dated XX/XX/XXXX stating they are updating the payment history to " Paid on Time '' for the months in question. It's now May and the credit bureaus are still not showing the update XXXX made to my payment history. It makes me question whether the credit bureau is actually reviewing the documentation given I sent them a letter that included the response from XXXX Directly. I've attached the letter from XXXX confirming the updates to the payment profile.

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 2025-05-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MIDFIRST BANK
State: GA

Complaint narrative:
I applied for a loan modification with Midfirst Bank ( my servicer XXXX XXXX  ) back on XX/XX/XXXX. XXXX. I received a letter from them stating that they were awaiting documents from the XXXX  to move forward. On XX/XX/XXXX I spoke with a gentleman with the XXXX  and he stated that he'd not received anything from the servicer. I then called the servicer and spoke with a gentleman who stated that they had sent my loan over for the XXXX program and because they were shutting that down, I would have to wait for them to do a traditional loan modification. Which in essence would mean my interest rate would be much higher and they'd make money off of me. ( My opinion ) I went and did some research on this program and why they are trying to shut it down. I submitted for mortgage assistance on XX/XX/XXXX and that program stated that they would accept all applicants up till XX/XX/XXXX. It is now XX/XX/XXXX and I contacted the XXXX  about my loan and the young lady there informs me that my servicer never submitted anything to them in order to be considered for XXXX. I'd like to know why it wasn't submitted as they stated and to come to a resolution that would keep me and family from losing our home. I believe this is ridiculous to the point where millions of XXXX  will lose their homes if this continues.

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 2025-05-05 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: MD

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 605B 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 2025-05-05 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: FL

Complaint narrative:
COMPLAINT TO CFPB FALSE LATE PAYMENTS & CONFLICTING REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) COMPLAINT SUMMARY : INCORRECT LATE PAYMENTS & CONFLICTING DATA IN CREDIT REPORT Dear CFPB, I am filing this formal complaint due to repeated violations of the Fair Credit Reporting Act ( FCRA ) by one or more credit reporting agencies and/or data furnishers related to my XXXX XXXX XXXX account XXXX 

Despite having no delinquent activity on this account, it is being falsely reported with 30-day late payments for XXXX and XXXX XXXX, which are completely inaccurate and contradict other data shown on the same reports. 

Account Details : Creditor : XXXX  XXXX XXXX Account Number ( Last XXXX digits ) : XXXX / XXXX  / XXXX ( varies by bureau ) Reporting Agencies Involved : XXXX, XXXX, TransUnion Reported Late Payments : XX/XX/XXXX, XX/XX/XXXX Disputed Status : Marked as under dispute but not corrected Contradiction : The payment history in other months shows consistent OK/on-time status, and the late notations are inconsistent with the activity timeline. For example : XXXX  lists last activity in XX/XX/XXXX, yet claims XXXX lates in XXXX XXXX XXXX  reports activity in XX/XX/XXXX but also shows inconsistent past due status TransUnion reflects latest activity XXXX XX/XX/XXXX and still shows lates from a year earlier with no verified past-due balance Legal Basis for My Complaint : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to : FCRA 1681e ( b ) : Reports must maintain maximum possible accuracy. This inaccurate late payment reporting is damaging and demonstrably false.

FCRA 1681i : Upon dispute, a reasonable reinvestigation must be conducted. I already disputed this item and the inaccurate reporting remains. 

FCRA 1681s-2 ( b ) : The furnisher ( XXXX XXXX  XXXX XXXX XXXX agency reporting on its behalf ) is required to properly investigate and correct or delete inaccurate data once a dispute has been received.

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