vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am submitting this complaint XXXX XXXX XXXX and TransUnion are reporting false, inflated, and mathematically impossible information regarding a repossessed auto loan. The original contractual high balance ( total of payments ) on my XXXX XXXX contract stats {$51000.00}. However, the credit bureaus are reporting a high balance of only {$29000.00}. I paid XXXX XXXX approximately {$25000.00}, and the vehicle was later sold for approximately {$8600.00}. Despite these facts, they are reporting a deficiency past due balance of {$15000.00}, which is not mathematically possible unless XXXX XXXX unlawfully imputed unearned future finance charges into the amount owed. Creditors are prohibited from adding unearned interest or future finance charges after repossession. 


The reporting violates multiple provisions of the Fair Credit Reporting Act, including : FCRA 607 ( b ) failure to maintain maximum possible accuracy.

FCRA 623 ( a ) ( 1A ) furnishing information known or reasonably believed to be inaccurate.

FCRA 623 ( a ) ( 2 ) duty to correct and update inaccurate or incomplete information.

FCRA 611 unverifiable, inaccurate, or incomplete information must be deleted.

The numbers being furnished are contradictory and can not be reconciled with the true contract amount, payments made, and auction proceeds. This means the account is inaccurate and also legally unverifiable under the FCRA. 

The inaccurate reporting is damaging my credit, causing financial and emotional harm, and obstructing my ability to obtain credit, housing, and employment.

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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Subject : Credit Reporting Errors CCRAA/FCRA Violations & Insufficient Verification After Data Breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX To whom it may concern, I am filing this complaint against XXXX, XXXX, and XXXX involving inaccurate, incomplete, or unverifiable information on my credit reports. I have disputed the items directly with the bureaus, but they have continued reporting without providing proper verification.

Disputed Accounts : XXXX XXXX XXXX Charged-off {$150.00} XXXX  XXXX XXXX Charged-off {$500.00} XXXX XXXX  XXXX Charged-off {$740.00} XXXX XXXX XXXX XXXX Late payments Public Record XXXX XXXX XXXX  ( Filed XX/XX/year> ) These items contain inaccurate balances, dates, payment histories, and reporting irregularities.

Major Concern : XXXX  Data Breach My personal information was compromised in the XXXX  data breach, creating a high likelihood of : misattributed accounts, compromised data reporting, identity misuse. Despite this, the bureaus are not conducting heightened verification as required.

Legal Rights Invoked Under : California Civil Code 1785.16, 1785.20, 1785.25, FCRA 15 U.S.C. 1681i, the bureaus must reinvestigate within 30 days and delete any information they can not verify.

Requested Resolution I request that the CFPB : 1. Ensure all three credit bureaus conduct lawful reinvestigations.

2. Require furnishers to provide verified documentation or remove the accounts.

3. Ensure that data-breach-affected items receive enhanced verification.

4. Require corrected copies of all three credit reports Thank you, 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 explanation
Consumer complaint received 2025-12-04 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: CT

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this statement because I discovered accounts and hard inquiries on my credit report that I did not authorize and that do not belong to me. I first became aware of the issue after reviewing my credit report and noticing multiple inquiries and accounts opened without my permission. These items include credit inquiries from companies such as XXXX XXXX XXXX  and XXXX, as well as several negative accounts and collection entries that I did not initiate or approve. 
I did not apply for credit with these companies, nor did I give anyone authorization to use my personal information for credit-related purposes. These inquiries and accounts were opened without my knowledge, and they are the result of identity theft. I believe someone gained access to my personal identifying information and used it to attempt or obtain credit in my name. 
These fraudulent entries are negatively impacting my credit, my financial stability, and my ability to secure housing and other necessities. I am requesting that all unauthorized inquiries and accounts be investigated and removed from my credit file. I am also taking appropriate steps to secure my identity, including monitoring my credit and filing this identity theft report with the FTC. 

I affirm that the information provided in this statement is true and accurate to the best of my knowledge. Please see attached Identity Theft Report for company names and amounts.

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 2025-12-04 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: VA

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc.
State: SC

Complaint narrative:
am filing this complaint regarding inaccurate and unverifiable information being reported on my credit file by American First Finance and the credit reporting agencies. I previously attempted to dispute these errors directly, but the information continues to report inaccurately and is damaging my creditworthiness. 

The account in question reflects several inconsistencies and potential violations of the Fair Credit Reporting Act ( FCRA ), as outlined below : Disputed Account Details Original Creditor : American First Finance Account Type : Installment Secured Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Pay Status : Charge-off Balance : {$1300.00} High Balance History : $ XXXX  Monthly Payment : {$0.00} Terms : Bi-weekly payments for XXXX  months Last Payment : XX/XX/XXXX Date Updated : XX/XX/XXXX Estimated Removal Date : XXXX/XXXX Issues and FCRA Violations 1. Balance exceeds reported high balance ( {$1300.00} balance vs {$890.00} highest balance ) FCRA 607 ( b ) requires information to be accurate and verifiable.

2. Monthly payment listed as {$0.00} despite bi-weekly payment terms.

This is inconsistent and incomplete reporting.

3. Payment history missing/incorrect.

No payments or delinquencies are shown despite active loan terms, violating full & fair credit reporting standards.

4. Charge-off timeline conflict.

Account charged-off though reported closed la
ter dates are conflicting and not reasonably accurate.

5. Incomplete high balance history and duplicate entries. 
Shows {$890.00} from XX/XX/XXXX to XX/XX/XXXX ; {$890.00} from XX/XX/XXXX to XX/XX/XXXX inconsistent period reporting.

6. Estimated removal date may not align with DOFD.

If first delinquency is different from open date,
reporting duration may exceed legal period.

FCRA 605 ( a ) requires timely expiration. Requested CFPB Action I am
requesting that the CFPB : 1. Require the furnisher and bureaus to verify documentation supporting all reported data, including balance, payment history, charge-off date, terms, and DOFD.

2. If they can not provide verification, request deletion or correction of the account immediately.

3. Ensure the furnisher complies with FCRA 611 ( a ) by conducting a proper reinvestigation.

4. Provide written proof of verification or corrected reporting. 



Consumer Impact These inaccuracies are harming my credit score, limiting my ability to obtain housing, financing, and essential credit. The information being reported is misleading and does not reflect accurate account activity. I am seeking prompt resolution to prevent further damage. 



Desired Resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NC

Complaint narrative:
I am writing to dispute the following accounts on my credit report, as I believe they are inaccurate and do not accurately reflect my credit history. Please review the following details and take appropriate action according to the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts : XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, {$290.00} XXXX, XXXX, XX/XX/XXXX, {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX {$460.00} XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$1000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, {$820.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$360.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$740.00} XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$920.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, {$1400.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, {$720.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, {$840.00} XXXXXXXX XXXX XXXX XX/XX/XXXX, {$1500.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, {$350.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, {$870.00} XXXX, XXXX, XX/XX/XXXX, {$770.00} XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$500.00} XXXXXXXX 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

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 2025-12-04 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: AL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX ( XXXX ) for serious and ongoing violations of the CARES Act, the Fair Credit Reporting Act ( FCRA ), and Metro-2 credit reporting standards regarding XXXX separate XXXX accounts. Both accounts were current prior to XXXX, closed by XXXX XXXX during the XXXX national emergency, and then inaccurately reported with late payments and false statuses. 

The accounts involved reference the following partial account numbers : Account # XXXX Account # XXXX I am attaching both of my Experian credit reports that demonstrate the reporting errors and violations. 

1. Both accounts were CURRENT prior to XXXX, but XXXX XXXX reported late payments during the COVID emergency period. 

Under CARES Act 4021, if an account was current at the time of a COVID-related accommodation, the creditor is required to continue reporting the account as CURRENT throughout the entire accommodation period. 

XXXX XXXX : Closed both of my accounts during COVID even though they were current Reported late payments during XXXX Failed to comply with CARES Act requirements This is a direct violation of federal law. 

XXXX. XXXX XXXX reported late payments AFTER both accounts were closed. 

Closed accounts can not legally generate new late payments. No payment is due on a closed account. 

Despite this, XXXX XXXX continued reporting delinquencies after the account closure dates, violating : FCRA 607 ( b ) Maximum Possible Accuracy FCRA 623 ( a ) ( 1 ) ( A ) Furnishers can not report information they know is inaccurate Metro-2 Standards Prohibit post-closure delinquency reporting These late payments are false and impossible and must be removed. 

XXXX. XXXX XXXX falsified the closure date on Account # XXXX. 

This account was originally closed in XXXX, during the XXXX period. 

However, XXXX XXXX recently updated the account on Experian as : Closed XX/XX/XXXX. 

This is factually false and materially misleading. 
Adjusting the closure date by XXXX years : Extends derogatory reporting far beyond what the FCRA allows Alters the Date of First Delinquency Creates an inaccurate account timeline Harms my creditworthiness This is a serious FCRA violation. 

XXXX. XXXX XXXX reporting is inaccurate, unlawful, and harmful. 

Between the XXXX accounts, XXXX XXXX has reported : CARES Act violations False closure dates Impossible late payments after closure Inaccurate payment histories Contradictory credit bureau reporting Data that can not be verified as accurate These errors have caused significant financial harm and damage to my credit.

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 2025-12-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: VA

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint and dispute regarding an account reported by Jefferson Capital LLC on my credit file. I live in XXXX, and I am requesting a full investigation and the removal of this account from my credit reports due to violations of my consumer rights. 

Account in Dispute : Creditor : Jefferson Capital LLC Reported Balance : {$8100.00} Date Opened : XX/XX/year> Status : Collection Account Listed Responsibility : Joint ( this is incorrect ) I am disputing this account for the following reasons : 1. I did not authorize my personal information to be shared, sold, or transferred to Jefferson Capital LLC or any third-party debt collector. I never gave written or verbal consent for any alleged account to be assigned to them. This raises concerns about unauthorized disclosure of my personal data.

2. I have no record of agreeing to, opening, or incurring any account that would result in this alleged debt. Jefferson Capital LLC has not provided any original contract, proof of the debt, or documents proving I am legally responsible for this account.

3. This account appears to violate the Fair Credit Reporting Act ( FCRA ), as Jefferson Capital LLC is reporting inaccurate and unverified information. Under the FCRA, furnishers must only report information that is accurate and validated.

4. The account is incorrectly reported as joint. I did not open or authorize any joint account. This is false and constitutes inaccurate reporting.

5. I did not receive any legally required notice of assignment or a debt validation letter before this account was reported to the credit bureaus, which is a violation of the FDCPA. I was never given the opportunity to dispute or validate the debt before it was placed on my credit report.

Requested Action : I am requesting that the CFPB : Investigate Jefferson Capital LLCs reporting practices regarding this account.

Require Jefferson Capital LLC to provide full documentation proving the validity of the debt, including the original contract, proof of ownership, chain of assignment, and my consent to share my personal information.

Require removal of this account from all credit bureaus if verification can not be provided.

Review whether any FCRA, FDCPA, or privacy violations occurred due to improper handling of my personal information. 

Because this alleged account was never authorized by me, was improperly reported, and has not been validated, I am requesting the deletion of this account from my credit reports. 

I certify that this information is accurate to the best of my knowledge. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: LA

Complaint narrative:
I am disputing the following inquiries and late payments reported by Equifax. These items are incorrectly reported and must be investigated and corrected promptly. 

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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: The Savings Group, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding a refinance auto loan application that was mishandled and misleading. I applied through XXXX XXXX after being shown a pre-qualification offer of an 8 % APR refinance loan. Shortly after applying, I was contacted by the lender and informed that the rate would instead be 11 %, which is significantly higher than the advertised offer and the basis on which I submitted my application. Despite providing all requested documentationincluding my vehicle registration, insurance, and drivers licensethe lender proceeded to run a hard inquiry on my credit and then cancelled the application without explanation or next steps. This action has negatively impacted my credit score and resulted in a hard inquiry that I did not consent to under the revised terms. I am requesting an investigation and removal of the inquiry, as well as accountability for inaccurate advertising, failure to honor pre-qualification terms, and improper handling of my submitted documentation and credit data.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
Please look this over again ; its late and might not be correct.

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 2025-12-04 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: FL

Complaint narrative:
I am disputing the following charged-off accounts on my TransUnion credit report : XXXX - Account XXXX. XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, XXXX : {$460.00} XXXX - Account XXXX. XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account No. XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} Inquiries : I am disputing the following inquiry on my TransUnion credit report : XXXX XXXXXXXX - Date : XX/XX/XXXX Late Payments : I am disputing the following late payments on my TransUnion credit report : XXXXXXXX XXXX  - Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Account XXXX. XXXXXXXX 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 explanation
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/year> Balance {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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.

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation