vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Driveway Finance Corporation
State: AR

Complaint narrative:
Beginning in XX/XX/XXXX, my XXXX XXXX XXXX XXXX suffered repeated, dangerous mechanical failures including sudden loss of engine power, emissions system faults, turbocharger and ignition malfunctions, and persistent electrical issues. These failures made the vehicle unsafe to drive and resulted in over XXXX cumulative days in service between XXXX and XX/XX/XXXX. 

Despite multiple dealership service attempts, the issues were never fully resolved. During this time, I was without reliable transportation, unable to work, and unable to attend critical medical appointments. I live with multiple XXXX  XXXX, including XXXX and XXXX  complications, and this loss of transportation caused immense hardship. 

I notified Driveway Finance of my hardship and the vehicles defects on XX/XX/XXXX and again on XX/XX/XXXX, requesting deferment or hardship relief. I provided context : that the vehicle was defective, unsafe, and under warranty service, and that I was suffering financially as a direct result. Driveway Finance declined and ignored my hardships, then hit me with unrealistic exception 's to make the necessary payments ( $ XXXX in XXXX month ) to become current, and then I could be evaluated for deferment and/or extensions or offered any other accommodations. 

On or around XX/XX/XXXX, the vehicle was repossessed. My credit report now reflects multiple late payments ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) and a repossession all during the documented period when the vehicle was non-operational due to manufacturer defects. These derogatory marks are not only harmful, but misleading and inaccurate, and fail to reflect the extraordinary circumstances. 

This situation implicates violations of several federal protections, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) for failing to conduct a reasonable investigation after being notified of disputed credit reporting ; Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 for potential failure to provide fair hardship accommodations ; Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. for engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ) ; Magnuson-Moss Warranty Act, 15 U.S.C. 2301 et seq. because the mechanical issues that caused this financial hardship stemmed from breach of warranty obligations under federal law. 

Because I was denied reasonable accommodations while suffering direct damages due to a federally protected breach of warranty, I am requesting the immediate removal of all derogatory marks associated with this account. I further request a full investigation into the lenders conduct, lack of good-faith hardship handling, and their potential statutory violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: AL

Complaint narrative:
My personal and financial data was compromised as a result of a data breach. I request removal of the incorrect names, addresses and unauthorized inquiries and accounts which have been closed and placed in collections.

GRAMM LEACH BLILEY 15 us code 6802 has been violated I have filed an FTC REPORT attached below I have hired legal counsel for this matter My identity was not thoroughly verified which put me at risk. Per the FCRA this is a violation of 15 usc 1681

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 2025-07-31 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: AL

Complaint narrative:
My personal and financial data was compromised as a result of a data breach. I request removal of the incorrect names, addresses and unauthorized inquiries and accounts which have been closed and placed in collections.

GRAMM LEACH BLILEY 15 us code 6802 has been violated I have filed an FTC REPORT attached below I have hired legal counsel for this matter My identity was not thoroughly verified which put me at risk. Per the FCRA this is a violation of 15 usc 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capitol Systems llc is a violation of USC 1682G theyre also in violation of 15 USC 1681i ( a ) 1 30 day response time protocol. Jefferson Capital systems LLC is not the owner of this account. As well failed to provide a chain of assignment contract bill of sale from original owner, identifying account details, no validation of original account USC 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently looked at my credit report and found multiple inquiries that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent inquiries from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentinquiries below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: MA

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish 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 antedate the report by more than seven years 15 U.S.C. 16815-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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 writing to formally request the removal of fraudulent information from my credit report. I am a victim of identity theft, and there are multiple unauthorized accounts and inquiries listed that I did not initiate. These items are inaccurate and do not belong to me. 

Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and delete the fraudulent accounts and inquiries. Enclosed are a list of the disputed items and a copy of my Identity Theft Report filed with the Federal Trade Commission.

Please investigate and remove these items as soon as possible. I also request written confirmation once the corrections are completed. 

Thank you for your prompt attention.

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 2025-07-31 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

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 2025-07-31 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 a victim of idenity theft and serval data breaches of the accounts listed on the dispute letter thats attached

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 2025-07-31 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: CA

Complaint narrative:
I am formally requesting the deletion of these unauthorized accounts from my credit file. I did not initiate them, nor was I made aware of their inclusion. As per USC 1681g, I expect their removal within 15 days. Enclosed are the documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
I am filing this complaint against the credit reporting agencies ( TransUnion and Equifax ) for continuing to report inaccurate, misleading, and legally disputed information related to an account furnished by XXXX XXXX. Despite multiple disputes and a prior complaint filed with the XXXX  in XX/XX/year>, the account has not been corrected or removed, in violation of the Fair Credit Reporting Act ( FCRA ). The account was paid in full, and I was explicitly informed that payment would result in the deletion of the account from my credit reports. This agreement was not honored. The original creditor, XXXX XXXX, also failed to follow proper Uniform Commercial Code ( UCC ) procedures during the repossession process. This raises legal questions about the validity of the debt. I have maintained a paper trail of over 12 months showing multiple dispute letters sent to both the creditor and the CRAs. Despite this, the reporting remains unchanged. This constitutes a violation of : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing inaccurate or incomplete information ; FCRA 611 ( a ) : Failure to properly reinvestigate and respond to disputes ; FCRA 607 ( b ) : Failure to ensure maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: PA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX

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 2025-07-31 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:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
[ SEE ATTACHMENTS FOR DETAIL AND IDENTITY VERIFICATION ] I submitted a request to XXXX, Experian, and XXXX  asking them to update and correct the personal information listed on my credit reports. While some updates were made, inaccurate and outdated names, addresses, phone numbers, and employer entries are still being reported. 

This includes addresses I no longer reside at, phone numbers I no longer use, and employer information I never consented to report. Some of these data points may have once been linked to old accounts, but they are no longer relevant, verifiable, or appropriate for continued reporting. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and to delete unverifiable or outdated information upon request ( 15 U.S.C. 1681i and 1681c ( a ) ( 5 ) ). 

XXXX especially concerned that the presence of obsolete data could increase the risk of mixed files, inaccurate account matching, or confusion with my twin sibling, with whom I share similar identifying details. I have made a good faith effort to clean up my credit file, but the remaining errors have not been addressed despite multiple requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX XXXX  I wrote the company explaining that I never lived at this address and I never had three other names on my credit report I should only have one name on my credit report

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 2025-07-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am submitting this complaint pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., due to the ongoing reporting of a fraudulent and unverified collection account on my XXXX  credit report by Hunter Warfield , Inc., acting on behalf of XXXX XXXX. 

The account in question is not mine and appears to be the result of identity theft. I have no contractual relationship with XXXX XXXX, nor have I ever applied for or resided at any property managed by them. I have resided continuously at XXXX XXXX XXXX, XXXXXXXX XXXX for the past XXXX years, and it is not legally or practically possible for me to have entered into a lease elsewhere during that time. 

Despite notifying XXXX XXXX directly and disputing the fraudulent account with XXXX, the matter remains unresolved. XXXX XXXX failed to verify the identity of the individual who used my personal information to establish this account. XXXX, in turn, has continued to publish this tradeline without providing any documentary evidence of proper verification, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681g ( a ) ( 2 ).

I submitted a formal written dispute to XXXX  and demanded : All documents used to verify the accuracy of the debt ; A detailed explanation of the method of verification ; The identity and contact information of the data furnisher ( XXXX XXXX ). 

XXXX  responded with a generalized claim that the account was verified but did not provide any actual supporting documentation, which is insufficient under federal law. This constitutes noncompliance with 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ), and continued reporting of unverifiable information qualifies as willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o, making the involved parties subject to civil liability.

Company response to consumer: Closed with explanation